This significant retention positive tool SFA must be saved from the axe.
Quite, as you say however this paragraph hiding on page 38 is eye opening.
The provision of accommodation, for example, is a potential disincentive to home ownership and may not represent the best investment we can make in helping families and personnel deal with the demands of Service life.
I'm glad to know the provision of adequate and well sized SFA at a fair price is "disincentivising" me from buying and living in a small box, which one could only afford a fair distance from work.