Wow! So many replies that I don't know how you can reply to each one! Thank you for this informative post! Yes, we are a charity and we are new! One thing I have going for me is that I am a Tsu veteran where @papilloncharity had almost 5000 followers and so I know how to post authentic (original) stuff! The finances however is a cat of an entirely different color and I will exhort you to take your articles step by step, as you did in this one! Thank you once again! Regards, Stephen.