I know, when you ring up you get to speak to the loveliest people who have all the time in the world for you! Last time I rang then to see if we had cover for accupunture and I spoke to a woman for about 20 minutes because we shared the same health condition!

Don't worry if the NIB shares aren't doing too well ATM, everything is down. It might take about 2/3 years but they'll go back up. Hold onto them for as long as you can.