I think AFPS want you to join rather use them as a free forum. Apart from anything else, that would mean users getting correct advice rather than what other members think is right - like you get here!
Courtney
If only! The one and only time I contacted the AFPS they gave me duff gen about Regular to FTRS transition. So I contacted SPVA and got the right answer of what actually happened. Now AFPS were probably having a bad day, but it does show that they too are able to make mistakes.
I personally decided that I would be £35 richer each year by dealing with SPVA from now on.
LJ