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Do you appreciate the depreciation ? Reply: 2.1.1.1.1.1.1.1.1.1.1.1.1.1.1 From: Sim' Hampel Hi RM, I think you've pretty much (mostly) got it right - well said. One thing I would like to add though (and Dunc can help me out on this one !), is further discussion on the concept of...

"Are you negative, it's positive stupid!" Reply: 2.1.1.1.1.1.1.1.1.1.1.1 From: Sim' Hampel I agree with you here Les. I sometimes get the argument from the -ve gearers or "depreciation junkies" where they state "but you're only 28... you're going to be working for ages yet !". BZZZZT...