Australian residents aged 18 or above. HOW TO ENTER: To enter, entrants must: (a) Log onto http://finance.ninemsn.com.au/personal- finance/colonial, follow the prompts to the registration page and fully and correctly register their details (including but not limited to their full name, residential address, daytime telephone number and current and valid email address); (b) Truthfully and honestly answer the following question in 50 words or less: “How would $10,000 help you get ready for retirement?”; (c) Confirm their answer is true and honestly held; and (d) Read and accept these terms and conditions. PRIZE: The prize is AUD$10,000 cash that will be awarded in the form of a cheque in the name of the prize winner. The total prize value for the competition is $10,000.