My intention is to leave at the IPP. Consequently, my FRI (Free Resettlement Incentive) will be greatly received and has already been spent by my wife. It will in no way act as a retention incentive in my case - in fact many others may view it as extra incentive to leave at the 22 year point. It's BARKING mad.
Remember, dont' buy a house, don't by a car
Save all your money, and PVR