i agree with all of the above.its gettin harder to survive just now,but theres always someone worse off,scant consolation i know.my last 18 months have included losing my father in law to cancer,family business folding due to 130k bill not being paid,resulting in my parents losing their home,mum then gets told she has cancer,i go down to 4 day week for 9 months which results in us selling our home to get something cheaper,so i can sympathise with all of you struggling on,all the best to everyone.hoping for better 2011.