Dave, I've always this strange feeling that I know you but I wasn't sure. But reading you refer to your wife as Mrs Oy has me pretty sure we have met before.
Is this one of your works from a visit to the North-east couple of years ago???
Life's not bad at all for me at the moment, happy and pretty healthy so can't complain.
Would like to get out with the camera a bit more but I just can't be bothered with the processing so that's holding me back a bit.
While in Liverpool did you make another return to the Anglican Cathedral to take some more of your very impressive B/W HDR shots???