I am now a 3rd year F/O, I will only be taking a pay cut of what I WOULD OF HAD if the pay where to remain the same. I will actually be getting a raise (albeit a very small one) every year. It work's out that 2nd and 3rd year F/O's take the least hit initially. Work rules have not been touched, and management can not take any bonuses or pay raises unless we get ALL OF OUR MONEY BACK. Still puts us at the top of the list compensation wise, Eagle & Willy I believe are above........