Min monthly reserve credit is 78 tfp?! Where the hell does it say that? Here's the way it works:

A pilot gets 15 days off min every month while on reserve. Reserve days credit 6 tfp. In a 30 day month you're 15 on/15 off and therefore you start the month with a credit of 90. In a 31 day month you're 16 on/15 off and start with 96 tfp credit.

Reserve will pay better with the new contract if it passes.