No problem, Andy. We're all living busy lives these days. I'll wait for your complete response before addressing your rebuttals.

Hi Tabba, just to let you know that I haven't forgotten this thread.  I'm thinking of starting up a separate thread that addresses some of your points from a more 'point zero' viewpoint (you'll see what I mean when it appears), but currently, I'm onto the 4th set of accounts I've been asked to do in a week!!  The first 3 were for voluntary/charity organisations I'm involved with; this one, far more simple, is for the children's group that my daughter runs at church!!