Dude, you have my head spinning. Go ahead call me selfish, doesn't bother me one iota. If selfish is wanting something taken during BK, I'm guilty. If selfish is for wanting the money for all (not just the "young") without giving more work up, I'm guilty again. If selfish is wanting to stop this concession mode we are in and have been even before bankruptcy, cuff me once more. I too have bills worldport, school loans, could use another vehicle, wouldn't mind putting more into my retirement. It's not just about the "young', it's about putting a halt to concessions when times are good. I haven't tried to spin anything and I'm not a rah rah guy, but I was raised with a few principles and I also know when I'm being taken advantage of. I too could use the money, but I'm not gonna whore myself to get $1000 more a month for me or the "young".