Again, Thanks for the replies, plenty of homework for me.
As for getting someone to pay for the FI Rating, I would have thought it was entirely feasible, as long as you have made yourself useful round the club for a while and they like you attitude and think you will be competant etc.
I have sort of been offered this already, but at the age of 31 I would prefer to pay my own way and keep my options open.
Cheers, SF