WOW, 3.5%!! As I recall a conversation with AOA TP, whilst a group were whindging about loss of GERA (about 40%) TP said not to worry as the AOA was 'going for the pay'! OH??? Now add in the 25% that was just withheld for the IRS(US pilots only). All I can say is that with friends like the AOA who needs enemies? Another point; do CFX get 1 for 1 DT credit?? I doesn't look that way from the little handout we just got. I noticed the pax handout was a bit more extensive. BOHICA!!!