Ours uses 33 hours per month. Not 11. I think UA's is 11 hours a month. The difference is that the LUS only credits each hour as $11.25 or something around $11. Using up 33 hours a month, and that doesn't satisfy the whole contribution, is better than what you guys have but it burns up quick. Never mind that a retiree gets no dental. We have to work on these things and I'm hopeful that this can be resolved in a fairer way. At UA, many more would have exercised the buyout etc, but the company attached the buyout to a group and not individuals. So, the ramp never got the opportunity for a greater buyout ( I think it was $100,000) because they didn't cross the bar of having x amount of employees sign up for it. I think it would have further benefitted the company and the individual if they would have done it by individual.