GfL at 40?! Congratulations I guess! Thats quite the achievement certainly considering the major overhaul to BAEC and the timing of that! I hope that it is for life and you get to use it but I suspect it might not be a thing in the future, what with how BA only look at numbers. If FT and GfL are still around when you reach 50 or even 60, please come back to let us know if you have had great value out of your investment!