Flying Clog. I would like to think you are right, but in two years the terms get even worse (for most) as the housing extension expires....resulting in another significant cut in remuneration. It will take a long while to begin recouping even that amount, never mind the lost salary. I'm sorry to be so negative, but I am at least realistic. The "career" at CX is finished. The only real power you have is in leaving...