@BennyB - thanks for starting this thread. It has been quite interesting one to offer a completely different perspective to me. I ain't a frequent punter but still like the idea of non clock and flexible arrangements. Haven't got the chance to read the complete thread yet but have decided to give it a try and hopefully work out from there. My only question is do you guys who have an account on SB forums need to put up pictures because it's the only part I am not comfortable with to begin with. Sorry If It's too naive one but have never read much into this domain ever before.