Jenny. You either can't or won't see the point. I'm unable to use words with smaller syllables I'm afraid.
DayDreamer. Thanks for SSTR #101. I know why it's done, know it's almost de rigeur these days and I also know that pilots who helped nurture this pox by buying into it are as much to blame as the companies who now see it as an additional income stream. I've discussed this ad nauseaum on here over a decade or so having done fairly well without resorting to it myself so 'life' as you put it still progresses minus the big loans. Not quite sure why you're talking to me about BALPA, no interest to me whatsoever thanks.