That list is dead on for the CAL folks I've met. The ones with any financial savvy have already departed. The remainder are hand to mouth, spending money like there is no tomorrow and absolutely ignorant of anything that might affect them.

And they are fiercely proud of their sick bank. The company has been good to them, allowing them to wear their cowboy boots to work, so they're going to donate several hundred thousand dollars to their employer to show their appreciation.

And if they could sell their seniority number to some pilot mill kid for a hundred bucks, they would. And stick you with the van tip.