HI Carol, welcome to PiO!!
If i am honest i cannot answer your questions but i am sure one of my experienced, learned freinds will be able to help

I love your plan for retirement and really hope you can make your dream come true


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Good Luck.
Gill
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Gill(34), Rich(44), Rachel(12), Becca(11) and David(8).
Visa application in 17.03.08
Hoping to be in Oz - August 2008!!!