for me, it's the same.. if it's 2009, 2010 or 2012.. I won't be in the first line.. I will wait for 3-5 years and check others opinions. so most probably, I will do it on 2015 (and they are telling me I am not thinking ahead )dude, we don't have "clear dates' don't get your hopes up
excuse me for my language, but what is "top-up"?