Hi all, I am looking at refinancing my loan portfolio and wanted to get some others' thoughts on cross collateralization. Currently we have our own home and an investment property, all held with our bank, and all loans are held with the mortgaged properties cross collateralized. I have been advised, when refinancing the portfolio, to unwind the cross collateralization of the two mortgaged properties, with the main reason given is that the bank could, if we choose to sell the investment property, force us to use the proceeds of that sale to pay down any of the cross collateralized debt that it chooses. Now I get that, but, to be honest, I would have thought there's a pretty low risk of that actually happening. So I'm wondering what other arguments there are in favour of unwinding a cross collateralized arrangement?