Sorry if I came across as abrupt

All good mate, you call a spade a spade.

I won't be able to work in a NSW Govt job for about 16 months.  If I do I have to repay part of the payout.  The deal is a clean break.  In saying that though, I will be leaving on pretty good terms so I would have half a chance at getting another job doing the same in a few years, it would just mean starting over again as far as leave and long service leave goes.

I have thought about a franchise of some sort or buying an existing business but I keep coming back to the thing I know best and that I know I have a good chance of doing ok with.

Thanks again for all the interest and taking the time to comment.