A lot of the senior QF pilots should really treat this as a golden opportunity to wind down, to travel a bit (when able) etc. VR would be great but many of us do this job because we love flying and it is bloody hard to give up, not because of the money but job satisfaction. This period will give those who don't want to retire just yet, time to really explore what retirement will be like, and hopefully in a year or so, get back to flying.