Thankyou to everyone! This has been hugely helpful and not at all offensive as I do think in terms of all scenarios. I did not realise HOW inextricably linked my husband may be in whatever decision, action I eventually take though. This part has been an eye opener being an independent professional myself on so many other levels.

I appreciate all the information (some I still have to plow through with links, also for those, thankyou) given to me and its starting to give me a clearer picture.