Dear Stephen
I think if you’re very lucky and prepared to listen you’ll meet a “few” sensible people in life covering important topics such as personal finance, I can and often do say you are one of those people and I am glad to have found you many years ago on the “Value” forum.
I do hope as mentioned above this is not “the end” but the beginning of a new opportunity.
Thank you for all your help and I wish you every success for the future.
Kindest regards
John
