LJ - thank you for taking the time to respond. I admit to having a "que sera sera" approach as I can't change anything. I'm approaching 42 years in uniform so I've just rounded some numbers for ease - I know that I won't get a pension for all of it but I made the decision to continue working to get the income even if it's not pensionable. However, I now look forward to the possibility of benefitting from 15 along with my full 75.
The contribution of all other PPRuNer's is also appreciated.