Correct. 16 days at ACD, 15 if you can get one higher credit day.

On 3rd year pay it would take 105 WB FO hours to equal 84 NB CA hours. As mentioned above NB CA is the most money when junior. Do that until you can hold a line as a WB FO, even then it's probably a paycut but not a very severe one.

It would be nice to go WB FO first for the seat lock break but it means waiting at least a year of being able to hold 73 CA and about 6 months of Bus CA in the junior bases.