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Thank you for the reply KM, on this occassion the explanation was really needed. Usually with a bit of thought I can get there but this time no, I never would have so thank you, thank you!
About the Times MM - many newpapers offer subscriptions but the Times is way the best value as you can submit online and get many crosswords. Times, Mephisto, Jumbo, Jumbo 2 & Club Monthly are the ones I do but there are more. So you save on stamps and envelopes, get the crosswords when you want (I would need to drive 10 miles and not before 10am so you can see why that appeals to me) but also if you don't want all of the paper to read you save on paper recycling and it is cheaper over the year. I think the Mephisto needs printed off and posted but the others are online submittable.