Hi List, A very big 'thank you' to everybody who took the time to help me. I have a lot more information and a lot to think about .It will keep me busy now that the long dark nights are ' acumin in' Many kind regards Kathy -- No virus found in this outgoing message. Checked by AVG Anti-Virus. Version: 7.0.344 / Virus Database: 267.11.6/111 - Release Date: 23/09/2005