joe why are you moaning about someone elses T&C's its simply not your business what my contract gives me, if you are SE sort yourself out, have you ever worked for an employer? did you get HP or did you say to the boss "dont pay me for the hols as its better if you keep the money" or are you like others who were happy to take when it was going to you but now you are SE you want me to lose my hols, i have a idea for you as a SE, cut your invoices to your customers that will save the economy some cash, oh yes i'm sure you will