Of course it depends on your personal situation, but the recommended action is not a good idea in general. If you got hosed on your ipf ( like < 0.8 ) you might want to throw in your name. Else why would you want to help them stick it to you? There is always a rumour about less generous packages,. But have they ever happened?
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Going forward to pay down depth they will be capping payouts. The good deals are now 1-2 months / year + full bonus payoff