Not a lot of talk about the health care tax give back. The UAL guys published it in their examination of the TA. Apparently we pay more for health care so as to keep the company out of the Cadillac Tax zone. The company said we'll make it up to you in another part of the contract. There's where you're 8% comes from. These pay "raises" are totally self funded. Taking money from your savings account and putting it in your checking account is not a raise.