Hi there, @marianneyardley,

I'm SOOO happy @kiwideb resteemed this so I could hop over here.

Thank you VERY much for this excellent, well thought out and clearly laid out post. I upped and resteemed earlier, went offline and just getting back to comment. Will be sending to my mother, using myself and FB/tweeting a bit later when more of my audience are active.

Thanks again and and now following so I can keep abreast of all your wisdom. ;)