Thank you for responding William. I am sorry I made you sigh
Can I firstly say that this was a hypothetical situation...I have done my numbers including insurance, overheads etc.....and am happy with what I am charging, thank you.
...and I have read everything that has been posted recently, some of it quite entertaining, much of it helpful.
My reasoning for this thread is that it has often been mentioned that part time photographers are "charging inappropriately" , hence devaluing the industry. Numbers are rarely discussed....the money thing always seems difficult for people to be open about.