[QUOTE] Using the patented Mavis Beacon "Hunt&Peck" Technique, Stephen When I consider the family who live in a privately-owned house next door to mine, four adults, only one working (in a McJob), who manage to run three cars between them (one on an '09 plate) and who boast of getting a grant to replace their windows, I find myself unable to disagree with you. I also wonder where I'm going wrong.[/QUOTE] Me too. I've worked long hours for close to thirty years and have taken very little from the state. I've made choices that have even saved the state money. Yet all the state seems to want to do is take an ever-increasing share of my income and use this to pay for central stupidity and funding the feckless. Still, looking on the bright side when it comes to my retirement the state will look after me well I'm sure. Suppose it's only right since they're taxing my attempts to provide for myself.