Stay with EZY.
They are not the best & a long way short of the worst. You need to take care of your family & quality of life. And I dont mean now or tomorrow or next year. You need a company that will continue to provide for your mortgauge for probaly about 20yrs or so. EZY isnt glam, no large 4jets darkening the skies full of blonde hosties, pretty boreing really but they will survive & there fore so will you. & for the 1 who asked the same question of FR I give the same answer. I know. I have done both.
btw, NEVER surrender your 4 stripes!! You will be suprised how & where they will provide for you!!