Thanks for all the replies...this has become quite a lively topic with pro's and con's of each being outlined very well. Convincing arguments for either have been put forward and I find myself more enlightened to the benefits of each. What I dont find, however, is that I am any nearer to making a decision as to which way to go. I would be particularly interested to hear from anyone who has swapped from one to the other about whether they thought it was a good move or not. Something is going to have to give soon bearing in mind the pending VAT increase. Please keep the debate going and then maybe, just aybe, I will be ablle to make a decision in a week or two. Thanks to everyone who responded.