Tom, I fully understand where you are coming from. Steve told me a few months ago that he wants a special christmas as he fears this may possibly be his last. Those were hard words to hear but since then we have been working at making christmas extra special this year. Even to the tune of spending Australian $700 on a christmas tree and decorations. When we spend like this my mind goes into shock but then I see the pleasure on his face and it's all worth it. We will manage somehow. Any debt will get paid off, any savings gone will return one day. But the memories we are making now will last us a lifetime. Nothing can replace them and they are priceless. So my advise to you is make the memories now and make them wonderful.