Fella, why not just b*gger off now, eh? Don't try and screw the system for a few extra pennies, just have the moral courage to do one and leave those of us who are prepared to serve to get on with it. You probably won't be missed....
What possess people to write drivel like this? Dont screw the system? How can you be "screwing" the system when you simply want to make sure you get the best deal for you and your family after years of loyal service? Besides which the system is set up so you can't screw it - you can only act within the rules, some of which are complicated and buried in APs, hence the question.
Moral courage? Leave the rest of us who are prepared to get on with it?
Sanctimonious twaddle.