Caramel albino is a recessive morph and they can be purchased at reasonable prices or you could go with het. caramels. What Steve suggested would give you the possibility of producing a good start on some of the morphs you want to make ( albino pinstripe, lemonblast 50% het. albino, fire pinstripes 50% het. albino ) which would put you on your way if any of the hets. proved out. Or to better your odds you could go with an albino instead of hets. As far as the banana morphs go that is going to strongly depend on how much you want to spend to start a project. Good luck.