I think most of you miss the salient point in this issue: if those of us who chose not to co-operate with SLS are proven to have been the 'smart' ones, then any future request from the company for another SLS type scheme would be met with far fewer participants. For the company to have an effective method of attaining the help of it's employees, they must be seen to be 'fair' in recompensing the employees when the situation turns for the better. That is the reason the company will refund most if not all of the money in question.