I dun red it reel goood.

Here is a fact: there is downgrade language in CBA2015 that takes effect in 2 years. Whether or not you think it will happen is irrelevant. It's there and it starts in 2 years. Funny quips aside, it's there. I doubt many junior Captains share your confidence. "We are due for an economic downturn" - MGMT, today.

All facts aside, I hope you're right!