theprior makes some valid points about LOA for personnel based in the US on exchange. The repeated LOA cuts since Dec 06 have been significant when the cost of living in the US is increasing. LOA is not designed to cover many of the things you bring up. If the MoD's policy moves to encouraging us to buy our own homes as SFA becomes a less attractive option for the government then the costs of remortgaging to a buy to let and all the associated insurance costs should be included in the LOA calculation. I can only agree with all the other issues and I was shocked by the amount of the reduction. I know the embassy did a lot of work to counter the cuts but with no luck. No regrets for accepting the exchange but for those out there who are considering an application research the package as a whole before making the leap. Standard RAF, doing the minimum wrt looking after their people. Quite clever really, they seem to know the tolerance limit of those they employ!