charlie was the first to spot something , it was an item on the boat yards final invoice , which , all things considered , was fairly reasonable when taking into account the age of the vessel and the added re-sale value , overall everyone considered it vfm ( value for money ) - it was a small thing install and connect new mtm fresh water tank whats an mtm he asked , half bored and half slightly intrigued , and a quick phone call to the boat yards bosun and they were told that it was his slang for made to measure , and a very nice stainless steel tank it was to , very top of the range .