informal wrote:
found a loophole for IPT/RT needed only take IPPT once per window
let's stay u sign up for IPT.. 1st session do IPPT.. then do till 9th (since 10th is IPPT). let the window end, you will go into next window needed to take RT for balance of 11 sessions.
since RT-IPPT is 8/14/20th session. you do the 8th session IPPT then will end on 11th session. then you are cleared for the year.
like that means 1 ippt per year already! 
summore RT period can earn money
er...
if you clear all 10 IPT, you no need go RT.
next year you only need to do IPT again.
and IPT gets paid now.