Hi I wish to accelerate buying back years in Semi State which I have been doing over the last 20 years. I have only 1.5 years to be paid for over the next 4.5 years which takes me to retirement. I have been quoted about 4K per year over 2.5 years to accelerate the buy back and this is just to buy back 1.5 years remaining. Paying a lump sum would be about €20K in total. Have you any advice please?