I think I might need a sanity check and wanted the brain trust's weigh in. I'm leaning towards taking the bonus. A little background. Late to rate so I just qualify for the bonus this FY. I have 4 years and 9 days until retirement (continued to 20) and a DEROS in 2019. With three years left most of my math says transition afterwards would be fiscally smoother staying. I'm worried about a few things; finding a guard/reserve unit that would even take me this long in the tooth, if I had to stick it out in the regionals for a few years(I have a few flying skeletons), 4 years of lost seniority, and finally is anyone worried about stop loss? Thanks in advance! -FN