Yes. The reality is that in the current and previous bid periods (4 pay periods totaling 16 weeks) my actual trip credit is approximately 180 credit hours (31 days out of 112), or an average of 45 credit hours per pay period. I believe that is well below the average line holder, but as a senior FO, I was able to earn a pay credit well above that. Still well below Captain pay, which I have bypassed since returning to the front seat.