Agree Pilgrim,
Read the small print....carefully
There will not be many who actually qualify for the 80K over the 10 year spread.
Do not spend it too quickly! If your life / personal situation changes during the period and you have to go..it has to go back in 1 lump sum!!
AND it will be reviewed annually...like all investments, they can go DOWN!
Leave and return..can't claim same FRI! You have to wait for IPP for FRI2!!
If it took months to sort out FRI 1 & 2 last year...this one will require buckets of overtime by the Blunties!!