AeroUK,
I agree with your sentiments re: BALPA, hence why I said, "...and
are they capable of addressing... ".
Regardless, it seems we're in general agreement. It's a sad state of affairs and being caught between a rock (e.g. adopting the moralistic approach and refusing the SSTR route) and a hard place (being left behind by people who care little or nothing about personal debt levels nor the dangerous precendent they're setting by endorsing it) is gettin us all down.
It's a reality we have to square up to - I don't expect any breaks, it's up to us to make them happen.
I read somewhere once: There are people who make things happen, people who watch things happen... and people who wonder what the **** just happened!
Suffice it to say, I itend remaining in the first category (or is that class?
).