Sorry I've only picked up your detailed reply now. I am blown away by the detail you have given me. I'm going to have to read and re read to get clarity but thank you a whole heap for your attention.
I decided at the outset that I would persevere for a year and that is still my goal. I am enjoying myself in the mean time.
It is a little disquieting that quality doesn't mean a great deal!
I think I need to buy SP and will look into it and hope I can manage!
I do appreciate your help Hlazama and wish you ALL THE BEST.