Bless you, Craig! I didn't think you were being nosey, I just wasn't sure what part of what was relevant to my question!!
How's my Spanish, Icon? Close to non-existant, why? Sir and I are planning on learning when we get home again. I can understand some, esp with reading, and I know roughly how it works (grammar aspects etc) from teaching myself and writing penpal letters with a dictionary and grammar book in my late teens and early twenties, and general interest in Euro-languages.
Bank statement with lots of zeroes may not be an easy feat given that it's in his name only..... Oh well, will concern myself with that in August. As long as I don't need a health check and, yeah, I get what you mean about the lousy photos, Icon! My ARC is ugliness incarnate!