Members of JKB submitted over 80 questions on the thread we ran several weeks ago.  After some consolidation of questions, and elimination of duplicates, there were still more questions than we could hope to get through in the time available.   We did manage to get through 40 questions, which were asked verbally by the JKB members, and replied to verbally by Mrs. Budge .  The verbal answers given by Ann are presented below.     I wish to thank Mrs. Budge, HMFC Director Eric H