Well enjoy that 20% when you don't have work rules. A tale from the front lines:

"So I get assigned a 4-day trip worth 3:31 dh and 3:29 block with no guarantee listed. Of course I want to make sure that whatever the guarantee is, that it's properly reflected so that I'll be properly compensated. Scheduling told me it was a pay question and there's nothing they could do about it. So I called the union and was informed that our contract only provides pay guarantee for pairings with a layover greater than 29 hours - and since my longest layover between flights on this 4-day is just short of that, I was SOL! So there it is - another fine example of how our company takes advantage of our embarrassingly lax work rules!"

One UAL rig is 5 hrs a day, right? So without the 20-hour rig you'll lose 65% of the time, but hey you'll get 20% more pay on the 7 hours you do fly with 4 days away from home. Heck of a deal. You have no idea what you're suggesting. Bonus round: if you call in sick, the DH doesn't pay in CAL's contract--you'll get 3:29 pay for a 4-day sick call.