cmvidini,
I think this is an appropiate moment to post my standard answer to quesions of this type which whirlygig once suggested I must keep on my clipboard.
it is meant to be helpful, and know I have overused it but anyhow here goes:-
"Option A, CPL(H) only, high risk, chance of employment poor or nil
Option B, CPL(H) + FI rating, higher cost, low risk, lower returns
Option C, CPL(H) + IR, higher cost, high risk, higher returns"
basically FI or IR which do you think ?
regards
CF