Ladies -I won't reply to each of you.

Thankyou so much for your prompt replies and lots of ideas.

I haven't thought too much about it since posting. I am at work for 4 days this week - first time since late June this year. Day 1 down, 3 to go. Tired, but coping.

I will mull it over and let you know what I decide to do.

All of your comments have been food for thought and I really do appreciate that you each took the time to read my post and then reply.