Andy to clarify your statement:

'The magic number to reach is 7305 AD days on your PCARS; they count leap years in the 20 yr calculation. Also, after reaching 20, your IDTs and other non-AD points count toward retirement pay. In my case, I had ~21 1/2 yrs AD but am getting paid for 23 yrs 4 mos due to all of my drill points.'

So once you hit your 20 years AD retirement with the 7305 points not twenty solid guard/reserve years, the MAN credits you with your IDTs and other non-AD points toward retirement?