Thanks msbojangles!!! Again -- very helpful stuff!!! I dont actually understand garrys reply though I'm afraid!!! 
Not to worry. The issue is that the F&CO won't let people on the advocacy side like Victoria and me test their on-line application system. And that's wrong. Wrong wrong wrong. I have been complaining about it for a long time too. And this year, I'm planning to go on record about it at the user group meeting.
