My original post was written to attract the opinions of those not involved in the trade. I have found over the years that the best way to acquire information is to talk to people. I am not expecting anyone to write a business plan or do a feasibility study. I am not "touting" for business. I am just using the forum for an open and frank exchange of views and opinions. It is human nature to wonder and think what if. Also, don't worry I am not offended by being called naive, I have been called a lot worse; even by my bank manager; although he has held my account for over 15 years.