Krikkit, I'm sorry to say I've evolved to be a serial POASer, lol.
Juniper, I'm so sorry to have missed your earlier post hun! :wall: Thanks so much for your kind and wise words, I am slowly getting myself out of that deep, black hole . I will ring my FS next week to set up an appointment, it gives me somethig to look forward to even though I am a wee bit scared of what he'll say :hide:

