Thats rough Giles.. 16k!! I wasted 3k at advanced hair.. i can only imagine what you must be feeling mate.
I went and saw Dr for a prescription for Propecia. I did some research and even though there are mixes reviews the positive outcomes seems to outweigh the negative ones. Dr said its the most popular drug available to combat hairloss and I might see results in 6 - 12 months, but like most other techniques out there it is only a preventative not a cure
He also said that HT is fairly new and if i want to proceed with one i should ask about some sort of 5 - 10 yr guarantee coz there is a good chance that hair will fall out. He recommended i wait for more gene research to be done (sounds awesome if it's ever possible right??)
I'm only new to all this but it seems the only true cure is acceptance. I'm just going to enjoy what i have left while i've got it.
good luck guys.