If we do have the MBCBP, it would be better for many to increase the B fund first, then have the rest going into MBCBP. This gives more agency to the pilot first, with roth, ability to control investments, and more control over distributions in retirement depending on what the market is doing, more ownership. 15 % B fund first, or why not 20%? I understand that the highest paid pilots will max out pretty fast. It sounds like the MBCBP was designed as a spillover for those without a legacy pension who earn a lot. The May TA is making it into the whole kit and caboodle. It doesn't look like there is a way out of the A plan which would be fair to everyone. Maybe a graduated buyout based on age and longevity, over the course of the contract if the company cannot "afford" this. Our earnings are being eaten by inflation from the bottom, and overtaxed by the government from the top. This is not the company's or union's fault, but given that the company remains profitable, I think we must negotiate better compensation!