Don't know what point the original poster was intending but isn't it alarming that so many people are opting out of the draw for January because numbers are so low? We don't have real visibility on Cognos so we're making some blind assumptions but it's pretty apparent by the mass opt outs that most assume their numbers are going to be way below the threshold. We've been able to opt out in the past but to see so many people, including managers, means January is going to be fucked. No one wants to be hit with a payback in March. And word is that Meg isn't even looking to make anyone whole despite Covid still ravaging the country. 2021 is already shaping up to be worse than 2020.