Many thanks, @bullionstackers, I do. I really appreciate your having offered to hold the balance of my wallet in trust. That was such a learning curve and I do hope that my experience - as a novice and a layperson - will be of use to other folk who may be as bemused as I am over some things. I have learned an inordinate amount through this experience, not least of which is how this community really should work. Again, many thanks.