I haven't posted on this thread for some time but just happened to see it.

The good news is that I am now an ex-teacher :-D The even better news is that I am starting to earn a little money to satisfy my meagre needs by teaching sailing, in various ways. As a result, I am happier, less stressed and more content than I've been for years. And poorer, but you can't have everything.

Thank you to those on here who provided advice months ago. The power of the Cat!!

Steve