A very good point I had not considered. I too make use of smart AVC's. As has been said on BARP you need to be looking at combined contributions of around 25%. As BARP members the only leverage we have to improve the deal lies in the hands of NAPS members. From yesterday's email it looks like rather than improve the BARP2 offering the company are looking to offer a financial settlement to NAPS members only. I am up at the 25% combined level and the extra 2% would be welcome but I think any additional is going to go towards a stocks and shares ISA because of accesibility in the medium term.