DMM you have military humour and its great couldn't stop laughing at the reply's to the original thread.
My point is though if for example a member spent say £50 and gets 5000 Cr that's the rate i think he should be entitled to gift his credits but i accept and agree with not gifting clubs and equipment. I agree with rewording it to loaning for as long as you need them and the lease system is a good idea 1 day at a time would be better if this was an option for 1 day, 3 days, 5 days, 1 wee,k 1 month, 1 year and for life but also give half the credits back when selling when you purchase either the year or life set.
Sorry for sticking my nose in but hope it helps in any small way
All the best Evo