OAP, thank you, 60-70-80, it matters not just an illustration how one scheme can be modified when added to another. As I said, only applicable if you are not actually going to get a pension as you have still paid in to it. That is the major beef about the Army where they chop people just before they get a pension. If you manage to join another Government scheme and use that 'dead' credit then good on you. But again, only speculation.