Welcome to you and your emulsion Martin!
You couldn't have a word with my Dad could you? He too has been around building sites for a hundred years but is too gripped by fear to use his knowledge and experience to make money for himself instead of others for a change!
Four seems a very achievable target now you have found the forum. There is a very knowledgeable
PMM'er called Raymond Moore in your neck of the woods who is always willing to help others with advice and also offers a closed bridging service to help you purchase
BMV without using any of your own money.
Good Luck in 2007.
Regards
John