Sounds great Robyn, I hope other see the opportunity to advertise their practices here. Physiobase.com is about to advertise various finance packages and automatic rate calculators to assist people in deciding if they can afford to make the break!! In deed many can with ease, they just need to be given a little information about it. And as you and I know, it the first 18 months that's the hard work, so it makes buying an existing practice so worth while. Best of luck.....Richard