wow dude you obviously have an inate understanding of how airline pilots are paid...sorry I tried to help. I won't make the mistake of doing it again.

later

ps i haven't credited <95 hours in a month after getting off reserve (even on reserve I had two months over 100 credit). That's $40k/yr right there @ second year pay, add in $5,000 in per diem (which colgan doesn't pay unless you do an overnight, which are rare, but you are still gone from home 14 hours a day...) and you get $44,900.