Raymo, thanks for that tip. Always something new to learn in PS.
George, another good tip. I checked and had it wrong! Had a hunt for the pattern of my D90 and sure enough, different to the default setting. I'll have to have yet another go. As I said, a steep learning curve.
Brent, I had a look for NoiseWare - no longer free.

At the moment I feel I've spent enough $s.
Thanks all for your help.

Robert