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WOW I feel like I just sat down for a 4 hour seminar. as frustrating and heated as some parts of this thread have become it has overall been an absolute gem. I must have stashed half of the thread away in various 'future reference' files :) Steve if you ever come back to Perth I will...

Please dont let any negativity frustrate you too much Steve. I think I speak for dozens of Forumites when I say that your advice is much appreciated and valued. I have heard many pro's and con's for LOE, but never heard it explained quite so well - or in as much detail to the point where I...

Indeed some great gems of info here. Most of which I already knew or suspected - but put into a much clearer perspective for me to mull over in my head. I have some serious thinking to do between now and the completion of my current IP. <KS>