Just curious ... has anyone actually switched over to Navra Warrants from their Margin Loan ? Just curious ... I have and it's all made sense up until now. The new hybrid product will be automatically deducting 30% of each distribuition to pay down the loan. The main challenges I am seeing so far vs a ML : 1) Distribuition gets paid a week later (Still have not rec'd 4th qrtr distribuition). 2) I am unable to manage my LVR until each reset date 3) I am unable to negotiate a better int rate 4) The 90% Margin Call is great buy my understanding is that St George offers close to it. I would be interested in hearing others views here as I don't feel this topic has been discussed in too much detail before. On a separate topic ... what is the best site for ML rate info for the Navra Fund ?