BT “Loyalty Penalty Contracts”.

Drumslinger

Flugelhorn said:

Busy people can fit a lot into a week. I worked 50-60 hours / week in NHS and still managed to look for good deals in financial matters - often had multiple jobs and had to keep track of payments (some self employed) and tax matters, BB was just another on the list 

Well you’re clearly better equipped to manage life better than she is. There is much more to her situation than I am prepared to mention on here. After work and a small amount of sleep she has little time for anything else.
However, whereas previously I never got involved in her financial matters, I will in future (with her permission). Too many big companies are relying on people being too busy or indeed financially incompetent then taking full advantage of the situation.