I had exactly 22 years locked in, and saw that I would never be able to get 23, so I resigned, went to a more stable, better paying company with a future (hauling caskets-- Obie's Healthcare plans will make me a LOT of business as he forces oldsters to die!). So, yes, I realized YRC would never be paying into mine again months ago. What amazes me is those with the time in to retire still hanging on, thinking they are going to get more someday? I know guys with 36 years in, haging on. They could do better taking their retirement and working at a "hobby job". They'd have less stress, actually more money????????