hi all, thank you so much for all those that have replied to my post
i am currently reading and re~reading all the advice you have given me! some of it seems complicated haha (bet it isnt really!) but i am having a good read and am googling some of the links suggested to try and get a clearer picture
keep it coming guys ~ i really do appreciate the time you have all taken to help me out with this
lisa x
ps...good to know i am not alone in my dilema