The authors of the rebuttal letter say the company contributions aren't capped. It seems as if you read that to believe there is no cap at all. That's not true. The company contribution to the PRAP would indeed be capped. Meaning you'd have to come out of your own pocket to max out your PRAP. Yes, the company is still contributing, but that money over the proposed cap gets the most bang for it's buck in the PRAP. You said in a previous post that you like to save money. Youre skipping the part where you'd have to use more of your own dollars to max your PRAP.