DO NOT succumb to management scare tactics guys. At XJT, we foolishly went down this path. Same scenario. Doom and gloom if we didn't give in. What a crock of sh!t that turned out to be. We gave the money back and management walked away with $35 million in golden parachutes when the place was sold to Uncle Jerry.

In the end, it made no difference whatsoever. DON'T DO IT. FULL PAY TILL THE LAST DAY!!!