Well, just try having two incomes from conway. That is a 10% cut in pay, 6% cut in matching 401k, and so on. Not to mention the loss of vacation which totals between the two of us 65 days of pay. Now, I would roughly figure that conway cut our income in the house by about $40,000.00 or more this year and that is including the one time hit on vacation pay. Tell me that is not a big hit.