Sorry to hear about your predicament oad. No advice from me I'm afraid I'm just starting out on all this.

But I do want to say what a great post from sandi2. Insight is a wonderful thing.

M: 57 / EW: 52
T: 21, M: 8
S: 18, S: 15
Bomb: 1 Jun 14
EA Aug 2014 I think
PA Feb 2015 possibly sooner