#10 sounds familiar John, no silver spoon here, had to borrow money from the Missions to Seamen to outfit my self with all the nonsensical stipulated requirements, most of which became ornaments and never left the drawers once stowed. After that loan, for which I am ever grateful, I never borrowed money again, as it took me nearly six years to pay it back, as my starting stipend was £6 a month and out of that I left mother £2 10 shillings a month, the rest I wasted on NHI, slop chest (USA Khakis), wine , women and yardleys soap which was great currency in South America, ehat you could get for a bar of yardleys was unbelievable