Hi Barbara,
My strong hunch is that Fanny Qualtrough is the Fanny Isabella Wood you mentioned in your first posting however, we don't do genealogy based on hunches do we!!!!

I have written to a fellow Qualtrough genealogist in Isle of Man with the query relating to a marriage for Richard and Fanny and hopefully this may bring the result we are both looking for.... who Fanny was prior to marriage.

Also would be interesting to find out the Harrison connection with niece Hilda...

Will let you know if I get any confirmation or otherwise to my hunch

Elizabeth