Lots of good, well-meaning tips here, David. However, as you've just recently returned from your 4th visit to the *Phils ... and since, by your own admission, you are comparatively well-off, financially ... what's to hinder YOU going back out *THERE around the time of your girlfriend's confinement? Admittedly, you might both prefer that she gives birth in the UK but, in mulling over your situation, I'm thinking my suggestion might be a viable alternative option. How would you feel about that, for instance?