Pumpkin,
I realise that just browsing the Internet which then led me to this site with some promise and lots of great information.
I also realise that there is no guarentee and have read many people say it hasnt worked out for them. (I have read quite a bit of the forum) I am willing to have a go and see what comes of it for my family.
Thank you for the link. I have looked into these. Is it possible to Organise it all yourself and not go through an agency?
Cheers