LL - I wish that I could add more to what KAW has written but I can't. I can understand the frustration that you are feeling because I have seen it so much in my own life. Perhaps it's necessary to completely demolish what is there and clear the construction site before something new and wonderful can be built.
But I would pop for the cost of a telephone consult - I found it useful. I have the feeling that you'll make the right decision for you and your kids, LL. But keep that door open a little in case H gets a clue...
