Thank you very much FL123.
From what you said here, I'll have to think carefully on what I am doing cause I don't want to let my slot with QR to go away for sure. The NTSO programme is an incredible shortcut to reach the final goal.
The deductions from salary are refund after 3 years
this is the cheapest way too...
The problem is, when will they start to call the holding pool...hopefully one year should be enough to see this happen.