Thanks for all the responses.
Dublinpilot: that’s exactly how we work at the moment. Also, I should add that my original posting was prompted by the disappointment with myself. Furthermore, having “binned” the first FI, I am now completely at ease with my second FI whose judgement I trust and respect.
In short, yes, I am still just a tad too inconsistent to be let lose on my own. Hey ho, roll on Christmas!
