Jesus. I did not need to explain it as it had already been satisfactorily explained in the first few posts of the thread (THPP's explanation springs to mind)! You are the one who cannot understand the explanations, hence my suggestion to get your money out and try it and then maybe you will...
Well I have suggested you getting your money out to work it out - if you find written explanations difficult to understand, do it visually and then you might understand the answers given to you. Otherwise, I would concur that you are on a wind up.
No need. But I would be using rands anyway and that may just confuse matters further as a rand is 1/18th of a pound.
Get your money out and try it - if you can lose a pound from it, you give everyone who has posted on this thread 30 quid. How's that? You din.