An excellent suggestion. In early 2003, Delta CEO Leo Mullin visited our cockpit and talked about bankruptcy, specifically noting that "UAL waited too long". At that point, I knew we would also file BK, and took an early retirement that year. The actual filing didn't come until 2005, but I never regretted my decision. His statement, and the way he said it, was more informative than a hundred business journals and a thousand rumors.