Oh, one more thing about wages, in the 1st Division the weekly costs go down because the season lasts twice as long.
The default ML team in Div. 2 cost 638pts in its first week. A ML squad of 23 players I'd built up, with wages from 400 to 600, cost 478pts (edited to add, I meant 481pts!) in the opening week of the 1st Division.
I guess if I get relegated that weekly wage bill explodes - it doubles.