@WindyWendy, the lady I spoke to today said the prospectus and application form should be available within the next couple of weeks. She didn't offer to take down my details though, let alone give me a call
@olusolakemmy, we all seem to work quite well as a team, albeit virtal. That's the strength of this forum and thanks for all your contributions as well.
I guess the question is whether or not a buy is recommended, given the minimum subscription level.