Hey, I've been working on this for so long now, its making less sense each time I look at it. I am thinking that question 6 should include a TTR for Karen, as the build up to this involves the Salary sac and TTR. But I feel that this amount is then assessable under income and assets tests for Michaels age pension. Has anyone submitted not including a TTR and passed? I think I'm going down the wrong tracks here.... Please help!