Hello sorry DB but I think you are wrong in this aspect, MM pointed out something I have been thinking for a long time, I never knew about any other sites until I came on here and it wasn't long before I was browsing that I found what is considered by certain members on CAG to be a dangerous and possibly costly site to visit in respect that the wrong legal interpretation and advice is used. Now going by the above I stated "site to visit in respect that the wrong legal interpretation and advice is is used" and having visited the non mentionable site I can see two different versions of law, which is correct I have only a basic idea but willing to read and learn, and I do so. let each site stick to their interpretation and just help the people that go to what ever site they choose, hopefully it will be the right one for them but this constant pick nicking and sniping will only drive people away. Long time lurker and learnt a lot and still learning. Regards