Thanks everyone for your replies.
If I reflect on my reasons for posting this, it was genuinely to help at least one person sort their shit out.
But - looks like the bounce have got it sorted
There's an extra dimension btw - pensions will be part of inheritance tax next year.
Anyway I digress.
I've got a fucker of a situation where my wife is gonna get screwed over by her brother. Cos he is smart, rich, and influences the dad.
So... what I'll do now is appeal to you all... please.. treat all your bairns equally