Just for giggles, reference above example and say 2 years past amendable date, 1 less than SWAPA:

Now that MD88 Capt. has to come up with $76,500 just to get what he had with the original TA. So he needs an additional 10.2% just to break even. Add his hold out for TA +3% and he needs 13.2% to reach his goal above and beyond the 21.5% compounded raise. Yikes!