hi jon welcome to friendly and very informative forum, you will learn a lot by taking time to read threads and posts which relate to your circumstances, Terpe is very well informed of these matters , please take notice of his advice and information and provide usefull details as a guide to to the information you need,the last thing you want is to head into a heartbreaking situation by not being properly advised there are many others here with their good advice too,

good luck to you jon