Clanger and Shaun - Good points! Every thread does seem to end up in an Int v Mod debate and it's one of those question like "what's the meaning of life", everyone's answer will be different and you can never say whether it's right or wrong because you answer according to what is right for YOU and YOU alone.
After passing the CCAT Assessment and started doing my business plan I was going over and over it in my head and came on the prune for some advice but after all my hours and hours or research and questions I think there really is no right of wrong answer.
Do what's right for you and no-one else. If you **** up well that's life and we all make mistakes but make the most of what you've got to get to where you want to be and never look back!!!
CS