58:36 is min monthly credit at OO. Any lower and you have to use vacation and/or user time. If you don't have any time in your bank, you're responsible for the company's portion of your healthcare plan.
Unless you are top 10 percent or less in your base and seat, though, getting less than 80-ish hours assigned (as a line holder) is next to impossible. Dropping? I've been able to drop three turns in three years. Not three trips. Three turns...