Kevan,
Afternoon, Just and welcome to the forum.
Good question, well presented, deserves an answer and, I am sure, someone will be along to put your mind at rest,
we have a few on here that are very up to speed with current IVA regs.
I to, like to have my punctuation and grammar correct, although not essential on this forum, we are a friendly bunch.
The question is the important thing. Well the answer is more important!
Enjoy.
Cheers Ginge