Neil, Neil, Neil - Just cus you own a business does not mean you know it all. In fact, you hardly know anything, You've been so wrapped up in your little world, you've forgotten (or more probable) never really knew how to interact with real people. OK, you have money. I do know (cus i've seen it happen many many times) you WILL lose everthing. It's in the stars ;-)
Rant over -
thanks guys
beer!

Andy