Thanks for the insight. I guess my question is how it got there in the first place? The extra pay in training was mentioned, but I went through my old NW statements and they were still adding to it a year after I was hired until it hit the -15 limit. I can tell you with certainty that I never manipulated that bank on my own and that I never went cumulatively 15 hrs over min guarantee during that time. Man, I wish I had noticed it back then so I could ask the people that were actually well versed on the manner before the merger and so I wouldn't be paying it back at my higher payrate. There's a few hundred dollars the company gets out of me for free.