Mox, you've probably had enough at this point, but some other things to consider as you come up on 20: before you put your papers in make sure you've got a good Class I. If the EKG is out of whack then you might think about finding your final job coasting for a few more years before you bail. Not likely, but just a thought. I know it's tempting...back in 2000 I had guys telling me that the numbers said getting out at 19 years was more profitable then staying in and drawing retirement before the airlines (i.e. the one year made that much difference). But those pay rates are gone and even if they weren't it's not enough to make up for the sense of security you feel with 20 years behind you. Good luck, and I hope the picture looks better in two or three years for you.