We are not using a migration agent and are going for an SIR. We would welcome any advice on AOS. I read a post about bonds and then looked on the immi site which seems to say that you may need an AOS? from my interpretation, if asked for an AOS, you need an Australian citizen to act as an assurer. Is this right, what if you don't know anyone well enough to ask to do this? Can it be done through a bank or insurance?? Will I even need it ?? Sorry for rambling on but We're soooooo confused :?