I am facing a slight dilema and need a couple of questions answered with realistic answers rather than the usual one given by the current regiment. I'm due to complete 22 years in mid Apr this year, however I have been offered the chance to start contract IT work from the first week in March. It's a decent offer and will bring me the same money in. Now the probs are these: 1. I presme that as I want to get away I'll lose my termination leave is that correct? 2. Therefore if I lose the term leave how long do I have to wait on average for the gratuity/commutation to come into my grubby mitts. 3. How difficult is it to have my current security level transfered over to the new company, if at all poss, as this will dictate how long I have to kick my heels for.