Thanks Jo! Well, the New Year will see me making a trip to the bankruptcy court, thanks to the Bradford and Bingley. However, I see it all in a positive light as the nightmare will end, even if I do have to become 'persona non grata' in financial terms! I now have the love of a good man, which is worth much more to me than bricks and mortar or money. I am feeling much happier, and I intend to support HRP as much as I can. Happy Christmas, Jo.(posted 8519 days ago)