Thanks Beth, this is what I have seen on their site.. But I was hesitant with the thing which says for emigrants.. ON their site, there is a different link for spouse/partners and emigrants *(emigrants' seminar usually takes three days) Thanks, I have been calling the numbers posted in the CFO site.. unfortunately, the staff are rude and they told me to call from number to number... AND the last number..... NOBODY is PICKING the phone...! Glad to have more information here... UK Forum should take over CFO Cebu Office.. Hahaha!