Bealzebub, thanks very much for your time taken for the response. It's a chain of events that leads to a crash and I am starting to feel like the holes in the Swiss cheese model are lining up! As you say Lo Cos, retirement ages, pay to flys and the recession (depression) are leading to a very difficult and brand new situation for alot of us. Hopefully a bit of situational awareness will save the day i.e. don't bury your head in the sand and believe that this will all blow over in a few years.