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  Dear \Barry,
  Thank you for the kind offer,namely spending over my means. At least we do agree on one thing dont spend beyond your means
  Surely you, who have obviously got years of experience on the forum can realise when some one is joking????? My good ideas are only a myth. I most certainly would not give advise to any one on a subject that is totally impossible to solve.
  It is kind of you to high light just how much all this is labour's fault. Not a single word of reproach about the greed of the financial system who whether you agree or not are the architects of this mess. You represent a fine example of what is wrong in this country. to put it in language we can all agree on your attitude is "Up yours Jack I am alright"

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