Have to agree John,i'm probably in the latter aswell,been saving for the kids since they were born,it'll see them through college (with their own little jobs for socialising) so i won't be borrowing fukall,the missus works(jobshares) so that helps a lot,i'll be happy to work only 3 or 4 nights in the next few years...i've stopped working till 5-5.30 in the morning at weekend for a good while now,generally on the M1 by 3am,the new 1600 can take over that role...but i fuckin doubt it!!