Question Author
yes there was a question, and i noted the replies. there was enough in the answers already received for me to consider, which is why i thanked all for the answers received. advising anyone on something like this is daunting and it was good to read a few replies from others purely off the top of their heads, if even to only confirm what i was myself thinking. As i replied to dotty's comment, i was asked this myself, and have now given a more considered answer thanks to replies here.