Reply #12 by Josey: "...the John Lloyd in question...was born ca 1830."
Oops!!! I missed that extremely vital fact! Makes me look like one of those people with impossible-to-be-true family trees!!! (Children born before their parents/born to deceased parents, and so on.)

Thanks for pointing it out, Josey but I really wouldn't call my contribution "well found" - the word "dunce" seems more appropriate for me on this occasion. I've been awake all night, struggling with my laptop which is on its last legs, and I evidently wasn't as alert as I thought when reading the thread.
So please accept my sincere apologies, stevelord65, Josey and everyone else...and
do, please ignore my reply #11. 
In view of Josey's helpful revelation (well, it was a revelation to me!) I've just edited (after several attempts because my laptop keeps crashing) some of the info I posted to stevelord65's other thread, re. Lloyd and Co...mainly, a now-obviously-duff bit about an 1840 bankruptcy - because I've not heard of many 9-10 year old children going bankrupt!!!

theirchild