Many, many thanks for all the help given.

I think I've sorted it out now. I went to see my unfriendly bank manager today and he was ill. So I saw the deputy manager, a luverley lady who likes to say "Yes".

Incidentally, the money is for an operation to put my delightful young niece out of pain.

I will need to impliement all our ideas and suggestions to pay back the loan, and thank you again for all help. The operation goes ahead on Monday morning and has a sure-fire success rate.

I love all the Mudcat community. One quick posting and the replies got me all fired up to sort it out. Thank you, thank you, thank you.

A very grateful catter.