Nevermind gang.. got it!... & for those who want your cursor to drop into a clip on the fly without having to stop & start playback, here's the good oil:
1. Go to Options (or right-click in the play arrow) & tick 'Dynamic Transport'
2. This will knock out the 'Link Timeline & Edit Selection' button.. just click it to reactivate & Voila!...
You now have a cursor that'll drop in anywhere on the fly without all those pesky stop & starts.. it'll also grab your whole clips (in Smart Tool) on the fly..
You're Welcome!