SIR, I HAVE JUST APPEARED FOR 12th WITH PCM....I WANT TO B A CPL HOLDER FROM AUSTRALIA....WE CAN'T AFFORD THE FEE N I CAN'T MORTIGAGE BECOZ I BELONG TO A JOINT FAMILY SO EVERY1 WILL NOT AGREE TO THE SAME....I REALLY NEED UR HELP .....PLZ REPLY AS SOON AS POSSIBLE ...THANKS UR SINCERLY SANYA KALANI(SANYA_KALANI@YAHOO.COM)