Michael G - many thanks - that makes sense based on some analysis I have done - think I will stick to the quinnellas for now. I use Unitab mostly for my test dividends, don't know what their takes are from the respective pools but be good to find out.Crash - I think everyone on here would agree that on-line wagering fraught with danger. However most of us on here (I suspect) are puting in a few hours each week to try and avoid becoming one of the masses losing on the punt. I think our ability to make any sort of profit is aided by the improved returns the likes of IASbet and Sportsbet (and Befair) appear to provide. For example, yesterday I made a small profit on my betting (via IAS and Sportsbet) which would have been reduced to a marginal loss under Unitab divs. Sure, its only one day and its the long run that counts but from what I've read here and elsewhere, we need to chase improved (and value) odds whenever we can if we hope to make a profit in the long run?