  A new method for modelling spherically symmetric inhomogeneities is applied
to the formation of clusters in an expanding Universe. We impose simple initial
velocity and density perturbations of finite extent and we investigate the
subsequent evolution of the density field. Photon paths are also calculated,
allowing a detailed consideration of gravitational lensing effects and
microwave background anisotropies induced by the cluster. We apply the method
to modelling high-redshift clusters and, in particular, we consider the
reported microwave decrement observed towards the quasar pair PC1643+4631 A&B.
We also consider the effect on the primordial microwave background power
spectrum due to gravitational lensing by a population of massive high-redshift
clusters.
