BW2000 a ?
If a pilot were to buy a Ford Fiesta (MSRP of $25K USD) and you asked him how much he paid. He might tell you 22K to demonstrate his negotiating prowess, while omitting to tell you he actually paid 27K.
Secondly, he won't add up the cost of fuel, Maintainence, insurance, tires, depreciation and the cost of the bank loan. To actually figure out that the car cost him 35K in the first year.
So when estimating the cost of a VN type rating, make sure you add in all the components. Loss of salary during training, type rating cost, upfront cost of bond (refundable after 3yrs) and 10% reduced salary when upgrading or transitioning to a new type, then throw in a compounding future value calculation for the money spent. That is the true cost.