Update...
So, theres me thinking, well Elsa's 2 year visa expires on Feb 28th, and then, ah, better send off that ILTR application off. BUT! I called IND for clarification about some questions on the application form - and it they told me she doesn't need to apply until 2 years AFTER arrival in the UK, in which case that will be before 15th March, so panic over for 2 more weeks, don't have to send the application till 15th February at the earliest.
I also called IND in Brum about applying in person and they also assured me that its 2 years from date of arrival in the UK - so 2 branches of IND are beating the same drum. They couldn't book an appointment anyway, as they only work 2 weeks ahead? So depending on how good my bank account is, I'll probably call back the Brum office and make an appointment after Feb 15th.
I'm not very impressed with the "call waiting" system when you call the Birmingham office - its rings 10 times then an answer phone message says "Sorry no-one here" Anyway, got through after 5 attempts, the human I spoke too, was quite, well, human unlike those in the British Embassy Manila. Looks like Elsa will miss the new requirements for the Life in the UK Test by 2 weeks, but she'll still need to take it next year.