Great, thanks so much ladies. It's all a lot clearer now! My main concern this year is the expense with the cc fees, so I will approach the kinder around the corner if they can take DS this year in the 3 year old kinder (after he turns 3) and we'll most likely do the 3 year old kinder next year as well. DS has a speech delay which we're working on ATM so that extra year in the 3 year old kinder will probably really help him. Thanks again!