Fair enough. No one is disputing that your 'up front' rate doesn't look so flash. I'm just trying to point out that there is a lot more to the 'up front' rate than meets the eye and that FACTs aren't always what they seem. I may earn a fair bit more than $120K but I'd bet a considerable amount of it that 'nett' for a QF driver would be less than the 'nett' of an EK driver on an equivalent type.