I totally agree, but don’t you think that what ‘people’ think is influenced by what seems to be going on in the media? (when I say ‘media’, I mean whoever’s yelling loudest at the time out of print, radio, and TV and the net. )

As far as ANZ bank, i have very pleasant experience with it and never have nay complaint . But your case is different than mine, I think you should consult any expert on this field then decide.