If anyone thinks that the information in the CBA is inclusive of our retirement then there is a ton of learning that needs to occur. That is exactly what I thought until I attended a retirement seminar and then I said "where did all this info come from". Why don't I know any of this? It's in the pilot benefit book. You know the one you opened in indoc and then put on a shelf somewhere never to be opened again. There is a big chapter on retirement and if you only know the contract now, there is a long learning curve. Going into the retirement seminar I thought I probably understood 80% of our retirement and looked forward to learning a bit more. I left thinking I really only understoood 20% going into the seminar and maybe I now know 50%. That is just the finance side. The medical side just melted my brain. 30 minutes into the medical portion I felt like Charlie Brown listening to his teacher. Whaa Whaa, Whaa Whaa Whaa!