For the record...ive been here 3 and a half years (NK)....been in the left seat for almost a year and will make over 150k this year. QOL is top notch here and if your a family man its the best gig around. Highly doubt id be making this much coin at a legacy in the right seat. As far as retirement and LTD go, we desperatley need changes made in the next contract. Cant speak for f9 but upgrades at NK are still below the 3 year mark with no signs of slowing....for now