Hi All, Just a real quick one. If you were to refinance and as part of that release some equity, say 50k and the bank put that into a new blank offset account, then at that stage the loan is not contaminated. If you then however wanted to add more funds into the offset it would be contaminated so your best option from my understanding is to pay the funds back into the loan, leaving 50k in redraw? If that is the case then my next question is what happens if the additional funds from settlement (say you had some money in redraw at the time of refinance) was also added into the offset loan? Say for example and extra 1k, making the amount in the offset 51k? If you pay it all into the loan then 1k is not offsetting anything? If you transfer just the 50k and leave the 1k of borrowed funds in the offset and then transfer non borrowed money what happens? Is only that 1k now contaminated? Or is the entire 51k? Sorry if this does not make sense?