I haven't been on the assisted conception threads at all. I think it's because I still want to vainly believe that I am not "one of those women" & I will conceive naturally and also because we don't stand a chance of affording this kind of treatment anyway, whether in the UK, Spain or Timbuktu! Incidently, I don't mean the term "other women" in a horrible way, it's just that when I started TTC I always considered that that type of thing would never happen to me, it was always a sad thing that other people had to go through.
I'm glad that you & DH have had a good chat about everything. There seems to be a lot for you both to consider. Not only do you have to think about the actual treatment but all the financial stuff too like organising the remortgage of your flat. It really isn't fair. It would be so wonderful if you and mrsd didn't have to go through this.
I really hope that your insurance pays out for your treatment mrsd, then you can get the ball rolling as soon as you get back off hols. It might be nice timing for you actually to have a holiday before starting on a new leg of TTC.
I'm sure that by 5 months TTC I was getting a little antsy and the creeping feeling that something may not be right started. However, 16 cycles in, it really feels like no time at all. I could have taken 5 months to conceive & still have a two month old baby at this point. That is depressing - please someone tell me that my maths is way off on this one!
Whereismywine Good luck with your appointment!
Madness Good luck with your meeting. I can't believe that you will be grilled by the SW on your personal life - God that is a bit
Good luck for your friends too, adoption is a very admirable thing.
Me and DP discussed this in a vague way and we decided that we would so not be good adoptive parents material. I read somewhere that the older the prospective parents are then the older the child you can adopt is likely to be - on this basis we would end up with some out of control teenage tearaway no doubt and I'm sure that the adoption panel wouldn't appreciate my somewhat archaic views on discipline! My favourite line to my nephew is probably a case in point, "this house is not a democracy, it is a dictatorship now get in the shower" 
I' am a teensy bit relieved that you don't have some Scottish theme going on in your house!