I did not respond to Benjamin as it was of no consequence. I sought an answer to a question, which others kindly attempted to supply. At the moment I have no definitive response. We are currently sorting out many things, and the question of a pension will have to wait, but not too long as we don't want to end up being told we should have been paying if we do not make contributions. I appreciate the point about feedback, as a means of showing appreciation, and I certainly appreciate the responses of those who have made a positive contribution. And to respond to Ron Avery - I do not know what I am going on about, as you put it, which is why I made the post in the first place.I would have thought that was obvious