Don't get me wrong Timex, I think this is one of the most divisive bits of rubbish ever to come down the chain of command.
I took mine and spent it, but it made absolutely no difference to my staying in or leaving.
People did not join to make money, and money unless it really is a silly amount, will not make them stay.
The real problem is the erosion of fun in the military.
If they want retention, they need to kill off the fun police not throw small amounts of money at the problem. (£100,000 over 5 yrs = not much per year after tax)
All this does is annoy people by causing a split.