Hi all -- I might be posting early but I've got a day of 'stuff' tomorrow and I'm committed from 6pm beyond Atlantic time tomorrow...ah the time differences...so I'm posting now so that's it there for you all if you want a gander. I've tried to incorporate as many suggestions as possible and some verbatim ... I've annotated many of the revisions.
Thanks for all your thoughtful feedback. I hope I've done it justice.
Cheers - Heather