Steve,

thanks for the advise. I have purchased your wrap library and have learnt a lot from it – an excellent investment. I would not be trying to get started without this knowledge, but no doubt will continue to learn as the theory is put into practise. I am a strong believer in leveraging other peoples time and knowledge and realise that this forum is an excellent vehicle for this. I take your point about starting close to home, but the reason for purchasing in various states is to spread the risk, and we also have local knowledge in some of these areas.

Regards,
Clive