Hi there Ali -thanks for chiming in...

We have lots of mutual friends - or did...I have assiduously avoided talking to them about this...W and H live in a pretty close knit community and I don't want to compromise him in any way...or them...

On the DB Coach front...I'm still not confident enough with my finances to get a CC to pay...I'm still reeling from the financial implications of essentially keeping 2houses running!

On your last point...yes...!!!

Simon x