Wow.......it's worse than I thought. Bottom line if you are a regional pilot with a car payment, mortgage, family to feed and an education loan to service and you choose to come here you may well drown like many of our FO's are right now. I have also spoken with guys that are using up their savings and credit cards to stay afloat in the hope they can move on before they go under. That's a lot of induced stress and a shameful situation. I hope it changes sooner rather than later but my optimism has gone.