TWG you're correct, I'm bad - I thought that's what they (the bank) told me when I did withdraw some money a few years ago - thanks for clearing that up - IF PTK does go to the moon I'll be posting a few questions about how to withdraw the extra money from my kids RESP acounts.They better not need a million to get educated. I have inquired about that senario with my bank before and that's when I learned there are a lot of early withdraw penalties