Hi SB,
I'm sorry you haven't had any replies to your question as yet, but hopefully someone will now see it and get back to you. In the meantime you are most welcome to give our helpline team a call and have a chat with them about your thoughts/concerns. Calls are free 0808 800 6000 lines open weekdays 9-5 and Saturdays 10-2.
Take care,
Jo, Moderator