Dear Jerome, and other readers,
I need to apologise to you for my response. I was having some job/housing issues and responded rudely. I woke up this morning determined to say sorry... and I have, I hope! I work with homeless teenagers and it gets stressy, this time of year. You had a perfectly good question and I look forward to the responses. Ty. (Australian/Celt and proud of a Manx/Cornish/Irish/Scots ancestry.)