Thanks Tony - I guessed you might pop up with something
I had already looked at the duckware stuff - it looks very complex and for organisation it is licensed per "panorama/object" which will get very silly pricewise.
I'll check out picturecloud (thanks).
The other one I have found that looks neat is: Pano2QTVR
It's is free or only $29.95 for personal use of the Pro version, and reasonably priced for commercial use. Looks quite impressive too. Only drawback is very limited documentation.