Simon - Good morning Scenario I would like to take out an installment for PHB Billiton with standard bank, BILSIC, expiry date 13 Dec 2007. The final payment of R64.00 per share is payable on 13 Dec 2007. When I go to trade e.g 200 Bill shares at market value it gives me a total cost of R25 126.98. Final payment of R64.00 X 200 = R12 800 is payable of 13 Dec 2007. Question. 1. If Bill share increase by R4.00 today much much do i have to repay Standard ,if any. 2. Does the final payment to purchase the share excludes brokerage fees. Thanx in advance