Hi Malcolm, Bill, Ken and Rolf,
thanks so much for your comments and suggestions, all of which are being digested and considered. I won't dissect individual comments and suggestions here, because I understand that they're all well intended and sincere, and I don't want to get into any debates about what is good advice and what isn't, since it's all down to the individual. I might be able to make a real goer of the last guys calamity .... or vice versa, for example.
So thanks so much for any and all suggestions guys. Happy to hear more comments.
Cheers