It can easily exceed 35K for senior pilots…. Easily exceed. That’s a ton of cash you’ll get a tax shelter on. Remember, money that goes into your MBCBP is tax and Alpa dues free. So you’ll have to exceed at least 25% return, annually to break even…. And that’s if the Blackrock fund makes 0% or less, since the company will fully fund us if the index fund is in negative territory…. Now that’s a threat because they probably will let multiple years slide in a down market and get behind. Like they did w/ the pension. I agree 100% that the possibility exists that Delta will be negligent in make us whole. But still under the rules they will keep us whole. Show me an additional tax break or investment (that’s conceivable and not a one off lucky Vegas miracle or land grab investment) in addition to our 401k DC rules that will exceed the basic tax break the MBCBP will provide. Realistically over a 10 year period you’ll have a tax advantage+investment return of over 30%. That’s great.