Sorry wasn’t directed at you, rather the whole thread blowing up over some bullet points with no explanations.
BTW reviewing the rumor I see it as 18% retro/5%/5%/5%. It could be this:
RETRO
2020 - 6%
2021 - 6% (compounded 12.4%)
2022 - 6% (compounded 19.1%)
———-
2023 - 5% (compounded 25%)
2024 - 5% (compounded 31.3%)
2025 - 5% (compounded 37.9%)
It could also be
RETRO
2020 - 5.7%
2021 - 5.7% (compounded 11.7 %)
2022 - 5.7% (
compounded 18%)
———-
2023 - 5% (compounded 24%)
2024 - 5% (compounded 30.2%)
2025 - 5% (compounded 36.7%)
The problem is (just like RES GS PB days), the details are super vague and incomplete, and a rumor. Resist impulsivity. Ask your rep for real info. Let the NC do their job.