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Born in the industrial Midlands in 1950, I was educated at Dudley Grammar School (to the best of their abilities)before going on to work in the banking industry. The latter years working on plastic card payment schemes. Married (twice) with two daughters and three grand-children, my hobbies outside of the family and writing include golf and travel, occasionally combining the two when searching for golf balls that have strayed way off line. Although I have no musical ability whatsoever, I do love listening to music be it live or recorded. Highlights- seeing Cher in Las Vegas; Stevie Wonder in Brisbane and meeting Rick Wakeman.