Joe4d, I got it from Stateline Tack when they had their black Friday sale. Got it for $150. Couldn't resist. Not sure if I can send it to Down Under for an adjustment if I need to since I didn't buy directly from them, but as you can see from one of the pics, I was able to fit 3 fingers easily under the gullet. When riding in it I felt very balanced. Not too far back or thrown forward.
Bsms, When I ride in it I have about 2 & 1/2 fingers wither clearance. She behaved pretty well when she wasn't trying to convince me we needed to go back to the barn. Actually she rode better in it than most of the saddles I've tried so far. No pinned ears, tail swishing or refusing to move forward.
Oh, and I was thinking it might be a bit too forward so will move it back a bit when I ride tomorrow.