I thought you had disappeared ! in truth we all have for a time . I am amazed by your patience , I did have some hope that things would be more settled for you by now , goodness knows that when we all arrived here I dont think we had any idea how long our journeys would be. The schooling thing is difficult, I have been saving for S17 to go to University but cant add to that right now with financing two households. Perhaps approach the subject in a nuts and bolts manner and if H starts R talk then go with the flow. Try and get some DB stuff in there if you can.