Hi everyone

[Arthur Little]

Hello Mark, and a belated welcome to the forum. My own situation was a bit different from yours as my wife and I had both been widowed. However, I'm glad to see you've had loads of helpful replies from other members who are much better qualified than me to give you the advice you need.

So stick around, mate and the best of luck to you.

Arthur

[quickwillow]

Thanks Arthur,
Everyone’s been great here, I'm happy to have found this forum and always interested in other peoples situations and experiences.
cheers mate