Question Author
Hi Peter, it's nice to know that someone out there thinks I'm crazy - it's one of my better traits!...smile....but I am going to go to a solicitor - in March and October it's free will writing time; see?...I'm not that crazy! Many Thanks though for the wording you gave, it helps to know what to expect or to do. Very Many Thanks also to Woofgang and Murray and Jackdaw.
(and if AB Editorial Staff are reading, this new layout isn't screen reader friendly - yet...though if this gets through, then I've done summat right at last! Ta Muchly Everyone.