In a previous "life" there were two options for a LIPS, one with an insurance company the union recommended and/or a local scheme run by pilots. Let's just say the union/insurance policy was terrible. They made individuals jump through incredible hoops only to be very "stingy" with payouts. The local scheme, was fantastic in all respects. So what am I saying? I will stick with the local scheme run by peers with local control. This transition I think has been good for our local scheme. Keep up the good work Andy....we want it to work.