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Not disgreeing, just confused....
You say.... "I am a firm believer that what we do in our spare time is ours and ours alone" and then....
"While such issues reduce safety, so too does some pilots' lifestyle choices just prior to a draining duty"
Are you saying a pilot should adjust his lifestyle for the next 45 years (in some cases) to that of a monk to counter the effect of AFTL's that are written with the dollar in mind, or are saying AFTL's should be written on the assumption that pilot's have a life away from CX..... whether that be family, social, sport, commuting.....