I can't argue with you there.

It's simply a matter of trust. They company never had mine and ALPA lost it after CBA 2015. Maybe they can try to earn it back in 2021-ish with the next contract. I'm just not willing to give them the opportunity with something as important and complex as our pilot's retirement plan - especially since the company has no incentive to do anything (other than find a way out).

All I can say is a guaranteed 40% of something is better than 100% of nothing. After my first failed airline retirement experience, I've got my retirement planned out with our A-plan completely out of the picture. If it's there in whatever form and future dollar value it presents, that's gravy.