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See all the replies since? The masses of text? This I why I didn't give a full answer.
There isn't one. It also depends on the company and the scheme. When I worked for a benefits provider I had twenty or so main client companies and they all dealt with the cycle schemes in different ways.
All these absolutes about what happens if you leave or at the end are not absolute.
Khornight2
@ 
Cool, thanks. (You dick).