Sorry I didn't realise you were having a personal conversation on a public message board. My post was referenced by CS and you refuted it. You know as well as I do, because I know several of them personally, that self employed contractors earning upwards of £70k a year pay virtually no tax, despite having very few actual business overheads. They just have good Accountants. If you deny that you are either lying or really don't understand your supposed expertise. Which is it?