Don't apologise Terry, I'm here when you need me. Some of the info you have posted is a bit different to our chat, so best we talk this through again when you call.
Only when the last tree has died, the last river has been poisoned and the last fish has been caught will we realise that we cannot eat money.
Last IPA payment made on 28th June 2010 and I'm now looking forward to getting married in September 2012 - I'm proof that you can go BR and come out the other side.