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Hi Tony, I have done some cost comparisons and in 5 years if I meet my goals I will be in the good position to take on my own AFSL. I need to join others at the moment though just due to economies of scale as its just me at this time in the office, I do everything, soas, fact finds, service clients the whole shebang, I have no support staff, yes I can outsource however I am a bit of a control freak. Alleycat and Tony ,you both offer good advice thank you and have a nice weekend