BF
we all have our reasons for staying/going. Personally my terms of service mean that I have to leave at one of 2 optional exit points. If I want to leave at any other time, I have to PVR and then my pension is reduced as a punishment/penalty/whatever. This is different to other people who can just leave with required notice any time after their 22 yr point. That seems unjust to some people, but it is my terms of service, hey ho that's the way it goes.