LOL, oh well alex, you'll have to buy me a pint next week and we'll chat about it then instead.
Or give me a ring if you like.
It does make a big difference being in or out, you really cant underestimate the effects of it, like for example, 5 years ago i was contracting for Toyota doing consultancy, i was paid 60 an hour, and so was another guy i worked with.
We both made in the region of 120K in year 2000 before tax, i paid less than 15K in tax, he paid over 50K
MASSIVE difference.
Chip