I'm off for ORT soon and have been told in my joing instructions to get an advance of pay, subsistence and accommodation. As the old pay system has closed down and JPA is not yet "live", I'm not going to be able to do this. As I don't get paid by my employer when I go for ORT, I have a few choices available. 1. Withdraw my name from the ORT. 2. Put it all on my credit card and hope to be paid before Xmas. 3. Take out a loan. I'm not particularly happy with any of these and don't think I should be in a position of having to pay the RN to go on ORT, which is effectively what I'm going to be asked to do! Can you imagine the look on family's faces when Xmas comes along and no pressies? "Sorry, kiddies, Daddy had to go away with the Navy and has no money left to buy you presents this year" I'm sure I'm not the only one in this position. It's not the fault of my RU's UPO either as they are pretty good people. Has anyone else had the same problems? Any views, tips or just plain rants most welcome!