We had a SW 07 hire FO on our jumpseat yesterday. His W2 was 160,000 last yr with 15-16 days off a month. Around 850 hrs of flight time pay. The key is flight time pay. He showed us a 4 day trip that he just finished with 21 hrs of flying but 29 hrs of pay. This is the norm. A min 3 day pay credit is around 20 for 15-16 hrs of flight time. He said he could make more but being a commuter you know how it is.