Very interesting discussion. I had a couple of questions, which aren't particularly relevant to the discussion. I have the PDS infront of me, for the CFS property securities fund. On the application form it asks about the 'type of investment' and whether it is 'new' or 'additional'. Initially I assumed it would be 'additional', because I already have an account with them. But underneath is asks for the existing account number, and has the first three numbers already filled in. But they don't match my account number. Could this be because my account is actually under the FirstChoice platform, which I didn't even realise until recently? Does this mean I need to open a new account? Will they just match the accounts up, or will they give me a new OIN and PIN? Lastly. If I apply for a fund online, it doesn't appear as though they give me a chance to nominate InvestSmart as my adviser. Do I have to fill out the forms and mail them in if I want the entry fee rebate? Cheers.