Thanks CS. I`m not sure I know what you mean about being surprised with the amount of capital I have access to. It is currently invested on an instant access but like everybody else I`m always looking for higher rates of interest. I`,m certainly not looking for any form of risk and I`m also naturally rather sceptical of the recent situation with Northern Rock and the current climate with banks seemingly running low on funds. I`d be glad to hear anyones views on this.