Another pay issue (I know. . pay isn't the entire contract). . . The current 5% which is PS, as well as monthly input to our 401k. Now that we are getting a 15% direct contribution, where will this 5% go? Will we get it with the rest of the PS at the end of the year? If not, then we haven't really gained anything other than the guarantee from the contract that we will get it rather than Board approval. We will have gained 2% but then lost 5%. Am I seeing something wrong there?