Sweet! Thanks for that BG - I knew when I put our estimate in and spoke to a CSO about it they said it would be included from 09 or something like that, and I thought bummer, cause we already have about 20K of Fringe benefits from our car and healthy insurance etc. I did think at the time that it sucked cause the govt keeps urging us to put money into super etc and then they were going to penalise us for it kwim?