Thanks for all the very useful information and advice you've given me jchamier. Helped me a lot in understanding more about fttc, exchanges and other things. Great to have so many knowledgeable people in the same place and who impart information when it's asked for. Thanks also to everyone here who helped me. I now have to decide what exactly I am going to do if fttc is out for me. No doubt that TTB will be in my decision somewhere.

Caley.