Hiya all, my name is sean. After a few years of stupid bank charges and drifting the net i came across this site. To say the information here has blown my mind is an understatement. I no doubt will ask a few stupid question (but i bet everyone has done this at some point), but i hope you will put up with me while like so many of you i go through this. To find all this info and people who help each other is fantastic. Anyway gotta go for now its 01:35 and i'm up for work in 7 hours. And just to say thanx all:)