Hey all. I'm about apply to join the RLC TA 79 sqn, and am all for it. In the back of the Bumpf sent by the AFCO it says that ex regular (Served 4 years) will get a full daily rate of pay, minus 8% X-Factor. Just wanted to know what this X-Factor is, and why, as ex reg am I being penalized for wanting to jump back into action. Any ideas greatfully welcomed.