I pay my cm a retainer for school holidays (half pay) which I don't use. (Haven't used since my dd started with her 2 years ago) Never really been bothered about this as the work I do has allowed me to be flexible and take enough time off during school holidays to cover childcare using family - but now I think I probably will need to use at least some of these hours as my work hours are changing. How does this work? Is this seen simply as a retainer, or am I entitled to use the hours I pay for? Sounds a bit silly but I've never had this discussion with my cm and feel awkward about raising it!