Thanks George,
Guess what! Other cats at the club are: Dart 18's, Hobie 16's, Dart 15's, Hobie 14's, Hydra, Mystere and one Inter 18.
I'll take your advice and have a play with the numbers between SCHRS and RYA PY's.
I think I ought to own up though and suggest a lower PY.
Regards,