My laptop is about to cark it (a funny grinding noise emanating from the hard drive) so I may not be able to post much until I get this sorted.
It's the second of my computers to get to near death over the last few months. They are both 'of an age' so I guess it's not completely unexpected. But a pain nevertheless, especially in the wallet area one suspects. It will ensure a very early acquaintance with Leopard, among other things.