And FYI, the $40 rate is where FO pay stops. Since it’s the 4th year rate, the 12-4 pay caps prevent you from earning more. Nasty little surprise for those who are here for more than 2 years and haven’t upgraded yet. Probably not an issue, since we are drafting literally every legally qualified FO on property into the Captain’s chair as soon as they have the hours, but something to consider if the 15.G.4 train ever stops.