b52,
Please accept my apologies for jumping down your uvula. I mistakenly thought that perhaps Father Flanagan was speaking from retirement and that I had in fact, screwed up again and was being held in contempt of Marvin.
I am not blaming the company for bupkis because we handed them the tools to abuse us. As mentioned ad nauseam, I understand and accept my lot in life. But, I know that reserve was better (for admittedly a relatively short period) and I'd like to see us move the chains back in that direction.