Hey guys. I've been considering setting up a CommSec account recently. I started filling in the online application the other day, but I don't have an account with commonwealth. I was wondering if you thought it would be beneficial to set up an account with them? (they recommended a 'smart investor account', or something to that effect) Or should I just use Bpay from the accounts I hold with WestPac? (I think bPay was probably the easiest option if you're not a CommonWealth customer) Also, there was something about a CHESS sponsorship program, which I didn't really understand. Does anyone know what that is all about? Any help would be appreciated. Cheers.