Thanks Fred, I will look into what you have said here.

Peter, what you have done for yourselves is what i was thinking of doing, having a large sum of just in case, I think is a good way of doing things.

There are people who think I am nuts not having any medical insurance but each to their own, I say. I don't mind paying something for the just in case, but I hate being ripped off for something that maybe you may never use.

Thanks boys for some good advice.