I have said it before, but I will say it again
CPL(H) only £40k approx high risk, no chance of employent
CPL(H) + FI rating £60k approx, low risk much better chance of employment but rewards can be low until you become high time
CPL(H) + IR £70k high risk, potentially high returns is you get to the north sea, jobs scarce at present
thats it really
regards
CF