Melchett,
Not quite the same boat I'm afraid, I reach my 38/16 point in 2019. What concerns me most at this point is whether I will now have to serve until 40/20 to get an immediate pension and lump sum at all. If the answer is yes, then that will be an instant decision to take my option at 12 year point, 2015, because there is literally no point in staying.. Ridiculous.