as a face-to-face office worker with C/L, I'd just like to add to BG's very good suggestion - if at all possible, please avoid coming to the office and doing as much as you can online or via the automated phone service. If you do need to come in, we're very happy to see you but be prepared for a long wait. My office alone usually has 35 staff and we're down to 10 this coming week - staff from all over the country have been relocated to flood affected areas. I have been at work all weekend and will be working 12 hour days this week to get through as much work as possible. BG - please take care of yourself at this stressful time (I was in CC during the bushfires and don't envy you taking those distressing calls) and to those of you affected by the disaster my thoughts are with you! xx