Also -- thank you for the apology.
It is a problem that what sounds perfectly reasonable in our heads as we type doesn't quite come out the same way in a post. We have to remember that there is just the bare written word, no body language or other cues.
I am sure I have over stepped the mark accidentally now and again
As I have often said, some of the deeper discussions we have on here would go down far better around a table with a drink or two at hand.
Anyway -- I am rambling again .......
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014