Wow! thank you everyone for your messages and interesting discussions
It's the first time I've ever used a forum, so I apologise for any mistakes I may have made (everything I don't know about computers I've taught myself). I feel, because of writing here and reading words of wisdom, I am able to cherry-pick some advice - points I'd not considered, and will act on them. Love can be short-sighted, but when it comes to my children and grandchildren, it's blind.