So for most people, this TA results in a paycut, but I dont understand why everyone is saying we have to credit 83 hours a month to break even. With the 83 hour [B]diviser[B], we are taking a $2250/annum paycut at min guarantee. That comes out to be 78 hours credit a month for second year FO, and 77 hours credit a month for a 3rd year 900 captain. And no, that's not including the mickey mouse perdiem increase, or the 401k, which again is a joke. Still a paycut at min guarantee, what I want to know is, why are people saying we need to credit 83 hours to break even.