We lodged online 12.02.08 and will be booking our meds for the start of April. Agent said we should expect to hear in about 12 weeks from the date we lodged (mid April) so I guess we will be ahead of the game as it were. For us - we just don't want to delay any longer than neccesary!! Agent hasn't advised us one way or the other about whather we shoudl front load - but then we will not be bound by the limit of a years validity as all being well we hope to be out there long before then!!!