Some names would be good. My experience is that only a small portion of individuals will return forms regardless of the relationship...People are lazy... A classic is example is that Super funds stopped writing to their members in regards to their binding death nominations. Non Lapsing nomination were invented because people simply don't return forms. This was clearly stated by super funds. Any correspondence will sit on the Kitchen table or the inbox, Easter will come up, kids will scream, dog will bark and your response rate is going to be 20% at best.
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