Hi, I know what you mean about the politics, after being off grid for a few days, got back , and realised that pretty much everything that could have been canvassed on SMSF's and franking credits , has been done. Hard to hear the facts over the "shouting". The question I have faced personally since late last year, is not what I should do, for my situation I've pretty much worked that thru, but if, or when I should take steps. And I have been slack looking at the stuff outside super. There are unavoidable execution costs, a small increase in risk and a small decrease in yield . Not things I want , if it all falls over as a policy. So , I will be interested in the steps you take, but also how far you take the various processes at this time. cheers