Well folks I ain't there yet. Still stuck in rainy Ireland. But will get there and after another of our long Skype conversations I am convinced i've got me the right girl and you gotta grab happiness when it comes your way. I'll hopefully have enough cash to to the SRRV visa if I have to but if I can stay there without having to tie up $10,000 all the better. I spoke with Immigration in Boracay and they were super friendly, the officer there told my g/f if I have a brother she wants him and also told my g/f not to let me go, that she, my g/f had got herself a dream guy. I was embarrassed, thought she was joking. But she wasn't. Told me I'd be more than welcome to stay in Phils and come back to her anytime. Told her my pension details and sent me to an agent they use and he was most helpful as well. To be honest I'm more worried about Health Insurance than visa issues. Thanks again to you all here for your advice. Pat