I am in a similar position GrahamMac and I think most people with any sort of nous would be also. Life is good for the clever although I don't think it can get much better. In fact I expect some tough times ahead. But I laugh at all the whinging losers on here who blame the government for their personal failings. Although our governments, all of them, do have one big failing...they all engage in too much regulation of everything. Dave R.