Now that is the type of post I normally enjoy reading from you, Golfyeti. Gives me a reason for why you think I was talking rubbish..which I know I can certainly do!! It was kind of a theoretical point anyway.

Appreciate your input

bbay

PS didn't see your edit. Agree with that as well. 75% a no brainer. I agree that the opt in discussion is a bit pointless which is why I thought the original point to get rid of it was worthwhile. But your discussion points are always appreciated ( though maybe not the presentation..lol )