I don’t know what portion that is but with a rate increase and GSs returning to normal levels, W2s will be roughly the same but with less burn out. My guess is that in 2023 my and most NB As will be right around this level and overages won’t be a significant issue. Bs will be mostly below this. There will always be the outlier that proves the majority. WB As will be the ones dealing with this and they will be tapering risk, meaning more income generating investments. Sounds like you are convinced we will never know. The IRS will not sanction the plan as ALPA originally envisioned.