Re: avc
What part of the public sector do you work in?
Are you a civil servant?
part of the broader public service (guards, teachers, nurses, etc)
or perhaps you work in the broader still public sector (ESB, Bord Gais, An Post, RTE etc).
There has been much discussion here over the last year concerning the relative merits of AVC's over purchace of notional service. Do a search of the site for avc and notional and you will get plenty hits.
Who did you get the avc from? was it cornmarket or marsh?