Thanks BG,

I sometimes get pre-menstrual "sadness" prior to pg so I guess this is "normal".

21 - I've got PHI so have decided to do shared care between by GP and OB. I estimated that I will be paying my OB close to 2 1/2K but will get some back from medicare.

Possume - I have decided to work till I am 35 - 38 weeks. Not sure yet. I have an office job and we need the money. Also I would like to spend more time with bub after birth. I am more concern regarding how long of a maternity leave I should take. I want to take at least 6 months after birth but DH thinks 4 is sufficient (my MIL will be moving in with us to help with the bub). Since DH changed career path, I earn almost twice as much as he does so technically we don't have much option. We are saving up very hard at present for me to take longer maternity leave.