Just out of interest, what does:

you can redeem the points for gifts.
mean ...

What "gifts" are on offer and how much do they cost? I take it that, although the RO pays real money to have the question answered, none of that money makes its way into the back pockets of the RAs?

In other words, not 25% but 100% of the cash goes to EF and EF chooses the gifts and their value.

Or have I misinterpreted the gist of the payment philosophy?

Heh, heh, ... they're coming to take me away, hah, hah ... you must think we're insane. And if the mods have time to spend answering questions for buttons, sorry, points, they are insane.

Hope it goes well.

Regards, TMS ... an interested observer