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Dear Hedware. Some of us really thank you for your constant stream of comments which always follow a particular slant. Those of us who do work as Financial Advisers can point out to our clients the different viewpoint that you always present and how they are so much better off than you because they are constantly experiencing what we competent advisers do for them. If you wish, I would love to sit down with you and help you with your financial affairs and you would then understand how important our advice can be. Facts, competence, diligence and efficiency beats whinging all the time. By the way, do you ware (sic) a beanie or a back to front baseball cap?