Oh, ok, thanks Tiff. Well I may not be able to use a private Obs after all. I rang my healthfund @ 2pm & the lady told me yep, not a problem. But she rang back later, however I was asleep & still had the internet connected & by the time I rang back, they were closed & don't reopen til 8am Mon. The only message she left was "I spoke to you earlier & I've clarified some information so can you please phone me back". Great, no idea what she meant she didn't even indicate what she wanted what so ever, eg: did she tell me the wrong thing? Nor did they try to call my mobile #, as per my answering machine, so I'll be left wondering all weekend. Bugger !!!