Hi Guys, just registered after spending four hours browsing the site. I must say that some of the 'success stories' sound impressive and encouraging. Yep, my bank, in my considered opinion, owes me a few pennies, so I'll probably be making use of the information available on the site. But meanwhile it's a bit late, early start tomorrow, so I'm off to kip. But as Arnie once said|: "I'll be back." Dave. P.S. No, I'm not a real Cavalryman, though I was thirty-odd years ago. Glad to see a good selection of 'Smilies'