I'd just like to say that while I still think you have some dreadful views on certain things, your help and advice on thread (especially in this section) using your experience having worked at CAB for a while is very gratefully received.
Having now had a chance to properly digest the information you gave on my thread (and checked the moneysavingexpert forums too) it's rested my mind a lot about the sort of time I have before I'll have to move. Thankyou