I tell you what's really starting to hack me off is the way " The I'm allright Jack" criticism/observation is banded around so willingly!! You seem to forget that a lot of us in the ' Ivory Tower' self funded without racking up huge debts based on no security, whilst having a fall back plan should we not realise the dream! There's too much of a blame culture shining through some of these posts for my liking..........I'll get shot down in flames over this post - so what!!!