AWACS bhoy - youre right to put the 13k on me saying that. Thats because it is so obvious. You have wasted that money. Bizzare.
Why are you banging on about a loan? You don't need to get a loan. You have, apparantly, got £20k in the bank. More than enough. Bizzare.
The hours you have given only come out to around 120 or so (52+25+30+12). 100 hours short of the 220 you claim. Bizzare.
EK