Scotlandx makes a good point about the psychological benefit of people realising they have to pay. I’m amazed how often people seem to think that cleaning, gardening, management and capital works all come free! Every funding situation is different and there’s no ‘one size fits all’ solution. The answers lie in planning and transparency, not in mandating one alternative or another. Special levies, sinking funds and loans all have their individual attributes which will apply more or less in each situation and each have costs and benefits that need to be weighed up in each situation. Paul Morton. paul@lannock.com.au