Of course I/we do. We're old and poor and scraping pennies off the pavement to survive

And, yes, thanks to this Forum ... we are efficiencised [or some Americanism ].

We put a lot of effort and cash into our 3 holidays p/a.
Time spent on reconnaissance is never wasted [I think that's the first time I've ever spelled that right first time!]

Since we joined BAEC, and discovered this FT Forum, we have learned an enormous amount. 'Efficiencizing' our pensions? You betcha!!

FT has been humungously cost-benefical/cost-effective, and fun. And has saved us £squillons [well, several £k ]