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FDNYOldGuy

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Everything posted by FDNYOldGuy

  1. Just reiterating first my unit had been great and says they’ll do what they can when the time comes; it’s just hard to know what things will look like in 6-9 months. I completely understand that and don’t have expectations of them doing anything different. TDART is the push is out of the Reserves as a whole across all units and talking most of my Reserves counterparts here are all in the same boat, so it is not a unit-specific thing. Everyone still gets the 140-150 days of AD seasoning orders. It’s just the timeline beyond that seasoning/prog tour that I’m talking about. And, again, while I think it’s awesome Big Reserves offered to shoulder the cost/manning burden of creating the option to avoid units having to pick and choose their battles, I just was curious if there might be a chance in hell to address the fact the option comes at a high cost for Traditional Reservists that have established careers before heading to UPT when orders with USERRA protections, as used in the past, ensured they would have coverage.
  2. DEFINITELY pumping the brakes on putting any of this on my gaining unit or anyone anywhere trying to short me RPA days. They’re 100% not doing anything shady, I have my 140 queued up for after PIQ, and they’ve gone above and beyond to help out. I am not intending to sound alarm for anything that’s been done or coming down the pike. My point is that I don’t want to potentially take food out of other folks in the unit’s mouths who don’t have other income options, like I fortunately do. I’m sure being low man on the totem pole means that won’t likely be an issue and I’m completely understanding of being last in line when it comes to getting fed orders; especially in a shit economy. It does seem as if “daddy Reserves” saw an issue with TRs leaving UPT/PIQ/Prog Tour and struggling being able to feed themselves, as it seems like you experienced @hindsight2020. Maybe TDART came out of units being hesitant to give coveted longer term orders to newbies over senior folks, especially in a bad economy, so they created something that would only be temporary and only an entitlement to new pilots. Again, it seems like a pretty awesome deal, so I’m not bagging on it existing: Reserves have a way to ensure their investment on training a pilot doesn’t wither on the vine and units don’t have to foot the bill or lose a manning spot to get us to ride without training wheels. It’s more of a question of the rationale. If the position was created to give newly minted pilots the option to become much more qualified and more of an asset to the unit, why make it an option that requires foregoing any previous career established, when the citizen airman is such a touted thing? Of course, it’s not a “forced” requirement to take the TDART job, as @Royal alluded to it might have been levered as in the past, but to not take it is to take a much slower and longer route to be as qualified and as usable by the unit. My intention is to see if garnering those USERRA protections is a changeable thing. Nothing gets changed if no one asks for it. If that’s a Federal hill to die on, it still can’t hurt to ask; even if it’s of no benefit in my timeline, it might help someone down the line. Just wanted to see if anyone had any ideas where that question could get posed first.
  3. BLUF: Where would you think a good start might be to look into/start bugging people about possibly getting USERRA protections for TDART slots? My Congressional Representatives? A military rep somewhere that has more lobbying clout? Tom Cruise? Crazily enough, my 38-yo, Billy Madison-ass is UPT complete and a couple days from graduation and official wings on my chest. I’m stoked for PIQ and beyond as I continue to grow as an MWS pilot. But, one of my biggest gators is getting closer to the boat: the end of official pipeline orders after my 140-150 days of unit seasoning. To continue to become better and more qualified pilots, the Reserves have switched to civil-service TDART (4 year ART) jobs over giving AD seasoning orders. It’s a pretty solid deal for the units, with AFRC footing the bill and it being an over-hire/not coming out of the unit’s manning. Plus, there’s no long-term obligation of building AD retirement time. But, it makes it tough for those of us that have established careers on the outside. I want to continue training and becoming a better MWS asset, but taking that job means a full leave of absence from the FDNY. No more time clicking off toward pension/retirement, no more earned promotions (even losing an already earned promotion and the years on orders, if I don’t officially return to the FD before taking a TDART slot), and the chance that they revoke the leave of absence and I have to choose between flying or losing my FD career. I’m sure this translates to other fresh out of UPT brothers and sisters in airlines, engineering, teaching, or just about any other field that depends on USERRA protections. The only folks that it doesn’t likely effect are those that are hired and head to UPT right out of college or without an established career beforehand, where a guaranteed 4 year civil service job is a home run. So, why’d they shift from seasoning orders with USERRA protections to making it a civil service job? Since this is the current option, who can I talk to about possibly getting USERRA protections for TDART? I’m good at being persistent and annoying, but I’m not sure where to start. The Reserves spent a lot of money getting us wings, I’ve gotta think they can have a better way than leaving us choosing between our full-time civilian career and being a barely mission qualified pilot or putting that career on full stop to try to become more valuable pilot assets.
  4. I had the same with Reaper just prior to COVID hitting full force. I ordered patches in Jan and it took over a month for them to show up. I emailed them and got no replies, nor did I get any updates for the order shipping when it finally did. I was a couple days from just calling the credit card and charging back the order when they just showed up in the mail. They came through in the end and the patches were fine, but the timeline and communication sucked.
  5. Agreed with my esteemed colleague. Even as Reservists and not having the level of pressure to be top performers to have a better chance at a track or airframe, it’s still stressful. For me, I still had more stress in UPT (mainly T6s) than I’ve had in the few hundred burning buildings and hairy situations I’ve been in over more than a decade of playing fireman. Trying to balance family with UPT was another layer of stress. For me, family always wins, but I also have the lower impetus to be at the top since I’m set in my airframe and just not a type of personality that needs to be #1. My hat’s off to the bros and broettes that are I’m the AD fight for tracks and airframes; especially those with families and/or home issues. Sacrifices and compromises have to be made to balance it all and those are tough decisions. The uncertainty of how your hard work will play out is also killer. That all said, there are certainly fun moments and great times with great people in UPT. It’ll be among one of the only times in life where most of us were just tasked with learning how to fly airplanes and not having to deal with the queepy stuff that’ll be part of the world outside UPT. It’s one of those things that is easier to look back fondly on when it’s over than revel in while in the thick of it. I wish I enjoyed T6s more in the moment because it’s an amazing and fun airplane; especially with hindsight. Fire academy was the same; 6 months of suck/getting yelled at/repetition/etc. that I wouldn’t wanna do again, but was well worth the job the struggle earned that (mostly) gets better every day. But, by now, I am stoked to be a few rides from getting those wings and ready to move on to getting proficient at flying my MWS and hacking the mission. Not that 6-9 patterns/approaches/or turning rejoins aren’t fun, but feeling like more of a grownup and doing things for real in the plane I’m going to be flying for more than 6 months is going to be a nice change.
  6. The S&P 500 Index originally began in 1926 as the "Composite Index" comprised of only 90 stocks.1 According to historical records, the average annual return since its inception in 1926 through 2018 is approximately 10%-11%.[cite] The average annual return since adopting 500 stocks into the index in 1957 through 2018 is roughly 8%. Not really assumptions, honestly. My using of 6% market returns are on the conservative side when taking the above into account, so the investment vs. payment numbers would likely average out even better. Your “guaranteed” 2.75% loss is technically lower than that, even, when you take the tax savings of interest deduction. (As an aside, you’ll 100% have me agreeing about “guaranteed losses” when we’re talking other debt; especially for shiny things and credit cards.) Home prices have had a much lower return; even with the crazy returns the super-low interest rates since 9/11, the rise of Airbnb, and the simple increase in population have brought. More to that, home prices have mostly synced up with stock markets, so if markets are down so is your value/store of equity/pool of buyers. Again, each person has their own wants, needs, and risk tolerance and, more than returns, they need to make decisions based on those. Timing of and market during buying and selling affects home value as much as it affects stock values. Of course, you can be in the unfortunate situation of wanting or needing to sell in a bear housing or stock market with little control over that. That’s just part of the game. But, the old boilerplate thinking of paying off mortgages as quickly as possible does have some pitfalls and investing that money used to pay off the mortgage can have some serious merits.
  7. I know one thing: you missed out on the golden opportunity to go for the username “Perspiring Pilot” over “Aspiring Pilot.”
  8. 100% true I didn't highlight investing the $2100 after the note is paid off. There are certainly a lot of assumptions made with all of it and there are certainly things lost in the number-wang. Your $610k number is monthly compounding on the $2100, where I did annual compounding for my $8400 to get $664k. I get $586k for 15 periods of $25,200 ($2100 x 12 months) at 6% compounded annually, which is ~$80k lower than my route. Or, my numbers run at $700 and that 6% compounding monthly is $703k, so now we're talking almost $100k more. Not to nitpick, but just to clarify and make it more apples to apples. I also completely left out the additional savings of interest tax deduction for all of those years; mostly because it's nearly impossible to calculate and different to each person's situation. That also helps my cause a little bit, as you're "saving" more money in taxes through the higher mortgage interest deduction of the 30 year PLUS the reduction in income if you are putting money in a pre-tax TSP/401k/IRA. Nor did I highlight inflation's positive aspects of the longer timeframe notes. That payment becomes a much smaller part of your income as the years click off and inflation/annual CoL raises kick in. The rabbit hole goes deep. Haha. The biggest keys to EITHER route chosen is discipline to invest the money, which isn't always humans' strong suit. A higher mortgage payment is more "forced" savings, where the other method requires one to stick to the plan and invest the extra money. Plus, as @Jon - Trident Home Loans says, the security in being able to make a lower house payment if times get tough (as they certainly are for a lot of folks these days) and not worry about trashing credit is pretty big. Then again, so is not having a mortgage at all. YMMV, is the biggest takeaway. And, in reality, fewer folks actually hold a mortgage to pay off date, anyway. Most move, refi, or just pay it off early. Just trying to put another perspective out there.
  9. Third on this. People get very wrapped up in the fact they’ll “save” all the difference in interest owed between a 15 and 30, but they don’t take another piece into account of the extra money spent on payment. Personally, I am a believer in taking the difference between a 15 and 30 year payment putting it into TSP/IRA/401k/etc. over making extra payments. The banks are letting you borrow f-tons of money for super low interest that you get to write off; might as well use the excess to fund your retirement and get better returns (also tax sheltered). Here are a few financial calculator-run numbers. Say (slightly rounded numbers for all this for simplicity) you get a $300,000 loan. A 30 year payment is $1400/mo at 3.75% interest and your 15 year is $2100/mo at 3.25% interest. Over the life of the loan, you’ll pay $200k in interest for the 30 year and $80k for the 15, a difference of $120k. Initially, you look at that and say, “Ouch! What a waste!” But, that’s if you don’t invest the extra $700 in monthly payment savings in your retirement accounts. If you’re spending it on shiny shit, it can be a waste. Everyone is different; over-saving and not enjoying yourself can be a bad thing, too, so there’s a happy middle in there. But, I digress. So, say that $700/mo ($8400/yr or $252,000 over 30 years) going into a retirement asset is earning, conservatively, 6% compounding annually. Over a 30 year period, that will give you $664,000 total in the retirement account. Not bad. Even taking out the $252k since it’s money you paid in yourself AND taking the “wasted” $120k in additional interest expenses, you’re coming out ahead by $292,000. This, obviously, isn’t guaranteed, as markets can fluctuate, returns can change, and if you’re not disciplined about putting the extra payment money away, the benefit is lost. Plus, it doesn’t take into account the “peace of mind” having paid off your house can bring. But, it can be greatly beneficial if you do it right.
  10. Here's an excellent article (with super informational links and rabbit holes to run down) by Harvard Business Review (penned Jan 7th this year) that explains a huge part of exactly what your takeaway is. BLUF: companies have been taking on massive amounts of "cheap" debt in the low interest rate environment we've lived in to buy their own stocks back and pay out dividends over reinvesting in R&D, paying higher wages, expanding workforces/manufacturing, etc. Little true "value" has been created, but prices have been driven up as capital flocks to the stock markets to chase returns. Which feeds back to the cycle of PE ratios, debt, and stock prices all increasing without there being much true growth. Lather. Rinse. Repeat. The emperor has no pants, IMHO, and COVID was a catalyst to help show that. Which it did...until the Fed stepped in (and WAYYYY overstepped their mandate) by buying...everything...to prop prices up.
  11. It’s like hurricanes in the SE USA (or a million other things). When one is threatening, people went nuts and prepped for it by buying supplies. It would come through, be a dud, and people would feel like it was a waste of time. Lather. Rinse. Repeat. A few hurricanes later, they just stop prepping...until one comes that’s legit. Then it’s a holy , end of the world rush level of scramble to prep for the beast bearing down. It would hit and people would get wiped out and say, “how did this happen?!?” People didn’t think this was serious. Ebola and SARS weren’t, so everyone let it go. But, this one turned out legit and people weren’t prepped.
  12. But, much like Pearl Harbor or 9\11, this is an event that is disproportionately affecting those particular locations more than others, which can make it hard for those on the outside to grasp the gravity of the situation. For my Manhattan firehouse, nearly 20 of the 65 people assigned have or are recovering from COVID, with nearly 20% of the entire FDNY out on medical leave with it. Bros are having to quarantine in hotels away for days/weeks from their families to avoid bringing exposures home. Our work chart is changed to one that hasn’t been used since the days after 9/11. They’re told by the FDNY to report to work EVEN IF THEY TESTED POSITIVE as long as they’re not showing symptoms because manpower is so dire. CPR calls and home deaths, usually around 20/day throughout the whole city, are well north of 200/day. It appears those deaths are not being counted as COVID, at least initially, because they haven’t tested the deceased to tie it to that. I guess I’m saying that, just because it seems like this is a ridiculous inconvenience that’s overblown in a lot of other areas of the country, it certainly is capable of being way worse and having much further-reaching ramifications if left unchecked.
  13. The new rules are like the TSA, but for everyone’s health and without the excitement of advanced screening pat-downs. All mostly theater to make it seem like something is being done and to give some folks warm and fuzzies.
  14. This one was me. I got told by the AD recruiter when I was graduating undergrad back in 2004 that I wouldn’t get a flying spot without a STEM degree. Recruiters never lie, of course, so I took it as the truth and chased after playing fireman. About 15 years later, the turntables and here I am; an age-waivered ancient 2LT in UPT.
  15. Reserves have boards, too. One board to get yourself hired buy the unit for the slot, then they’ll send you to another board to get yourself hired by the Reserves itself/get you picked up as an officer. Lots of boards than don’t meet all that often (Reserves board is quarterly, at best), so it’s a lot of hurry up and wait, as I’m sure you’re well versed in. I didn’t have to rush either unit I got offers from, actually. But, that’s not always the norm, so it certainly pays off if you want to get things moving faster or if you’re going for a desirable spot with a lot of people vying for few slots. Then again, Rona’s probably got visits off, anyway. Networking is the big key and getting to know as many folks in this situation is what’ll get you the furthest the fastest. Talk to everyone and see what happens. A lot of my run happened due to networking and random help along the way. The more people you talk to, the better chance you have of bumping someone that can point you in the right direction or lend a hand.
  16. 100% what @brabus said: a solid application can overcome the initial hesitation on age. As the old guy @Metalhead731 mentioned, I got a majority of “No,” blanket “Thanks for applying,” emails, and “We don’t know if we can do waivers,” in my journey. But, a couple units gave me an interview and said, “Yes, we’ll run a waiver up for you.” I was 36 when I got picked up (37 by the time I actually hit UPT) and my waiver was cleared when the cutoff was still 30 (changed to 33 when I was in OTS), so it’s entirely possible at your age. Put together a solid packet and apply everywhere you’d consider flying. No only means no when they mace you and put a restraining order on you when it comes to applying, so put the time into sending out packets and networking as much as you can. Good luck!
  17. I dunno about “illustrious,” @Unit#8192; that’s like Joe Dirt putting an “e” on the end to class it up. Haha. @Erthwerm, the advice my bro Unit gave you is solid. You’ll have a little easier time because you’re prior service and have an interesting story, but I think “the great pilot shortage” window that has eased rules for those of us needing waivers is rapidly closing with Coronas and a tanking economy (mainly airlines). They’ve already slammed the brakes on the UPT pipeline, so they likely have more people already hired but not started than they can cycle through right now. That doesn’t make it impossible, but it’s gonna very likely be tougher going forward. So, you’ve gotta move. If you look back through this site and my other posts, there has been a lot deeper discussion into a lot of what I’m gonna tell you, but here’s my Cliff’s Notes: You're probably too old for fighters. It’s certainly not impossible and certainly try, but I’d focus heavies or helos (you might like HH-60s and CSAR) hard and fast if mil flying is your goal. They flat out won’t send you to IFT if you have a PPL and you’re better off. It’s an extra month of delay that, IMHO (and I didn’t go; just going off of others’ takes), isn’t worth it. Skip all you can to get to UPT ASAP. This is especially true if you go the Guard route. Not bashing Guard bros, but the pipeline takes way longer than the Reserves. Guard has to individually plan each piece of training, so there can be big gaps. Not good for old folks, because the waiver is for when you start UPT. Reserves will put you on orders the day you leave for OTS and you’ll be in training/on orders until you’re through PIQ. Another piece of 3 is you’ll only work with one Reserves officer recruiter. Guard you’ll have to run through each unit recruiter’s process, which can be time consuming. Either one you’ll have to apply to each unit individually, but the paperwork part is handled by one recruiter. Build your packet and send it out ASAP to get the balls (sts) rolling at multiple units. The process is a long one and time isn’t on your side; it can take 6mo-2yrs from getting hired to starting the pipeline. Ask away for any other questions you might have. It’s not impossible, but it’s not easy. Lots of legwork on your own will go a long way to getting you hired and speed up the process. Good luck!
  18. I get verbose, so here's the TL;DR: The training pipeline is a very time consuming and stressful time. You'll have 3-4 months of time you'll have to be apart no matter what due to types of training. If you come with him, your support will certainly help him; but realize that he might not be able to be as engaged in the relationship or reciprocating of the support. You may also have trouble finding work, as UPT bases are in the middle of nowhere small towns. If you stay back home, you'll spend a long time apart from one another; being alone will allow him to focus more on studying, but the stress of the program and strain on your relationship may make it tough for him to actually stay and complete the training. Regardless of what you choose, it's not going to be an easy road, but it's manageable if you have the right expectations (whichever you choose), your relationship is in the right place, and you both understand that the sacrifices made are just short term; things will get better and return to more normalcy as time goes along. Here's the longer, more in-depth version: My .02 from inside UPT now and what I've experienced/heard from other UPT folks. I'm late-30's, married, and we had a 7 month old when this adventure started and enjoyed living in New York City. I brought them with me and it's been much better. Even if I decided to complicate things further by adding another kiddo to the mix, arriving before the end of UPT. First, I went the Reserves route, because your training is all in one continuous line; he'll start OTS and will be on full-time orders from day 1 until popping out the other end (about 2 years) as a trained and unit-qualified pilot. The Guard has more breaks in training, where he might go to OTS, come home for a few months, then to SERE (takes a month), then home, then to UPT (takes a year), then home, then FTU (3-9 months, depending on airframe), then to his home unit. The breaks could be nice if you were staying put, but they could be more of a PITA if you're going with him and pulling up roots at your current home. You're going to 100% have to spend OTS (2 months) IFT (6 weeks, I think. He'll have to go to this if he doesn't have his pilot's license before starting UPT/skips it if he does), and SERE (one month) apart, as you really have no ability to go with him to any of that, so you'll be separated regardless. Then comes to the big chunk of time and stress; UPT. To make a bunch of long stories short, the gist I've seen from multiple folks and is that, unless you're PREPARED to spend that much time apart, it is VERY hard to be successful at UPT without family with you. I know more people that have dropped due to not having families come with them and only know a few folks, every one of them prior military service folks that have dealt with separation before, that are doing okay without their families here. So, if you're not used to spending serious time apart, it's very possible the strain can be too much for the relationship. The downsides of you coming are also notable. First is that UPT is a very demanding schedule and 12 hour days (just the time he'll be gone; not including him studying/mission planning at home) are very common. He'll be target-locked on studying and likely not be able to give as much time to you/your relationship as you're used to, since free moments are few and far between at many points. If you're used to him helping out a lot around the house, cooking dinner together, being able to sit and talk/watch TV with you for hours each night, etc., it'll likely be reduced greatly as he'll have to go study. Or, if he does still try to give that time to your relationship, he's going to be sacrificing the studying time and likely not doing as well in the program. There's only so much time in the day. Personally, I have had many moments where I needed to study and the need to be an engaged husband and father also required my attention. I've certainly erred toward my family over hitting the books as hard, which has certainly affected my performance, but those are the calculated decisions I've chosen to make. Everyone does their own math and handles it all differently. If he is a perfectionist or struggles more with some aspects along the way, just realized he might choose differently. Many people have done it and made it all work, but each person is different and you'll have to take a long look at yourselves and how you think you'll handle it. There's also the inability to get out of "this life" in that the bases are pretty much only for training pilots, so everyone is in the same boat. That can be good for support, but he is going to live and breathe UPT, which means you likely will, too. Your social interactions will involve him with other UPT students talking shop and you hanging with spouses that are also likely very involved with talking about UPT-related things. You're going to know where you're going being Guard/Reserves, so that stress doesn't exist for you guys, really. You're also on the older side (like we are), so your life experiences, wants, and needs may be different from other students (most are single) and spouses that might be fresh out of college, not working/never had a career, not thinking about kids, etc. Last big piece if you come with: UPT bases are in the middle of nowhere, so jobs can be tough to come by if you have something specialized that only exists in bigger cities. It's very likely the pay will be quite a bit lower; although your bills are much lower, so it kinda evens out. That said, chances of you finding a PR/Communications job you love as much as your current job (unless you can work remotely) close to one of the UPT bases are going to be pretty slim. Again, YMMV and I'm certainly not trying to scare you. But, it's important to have rational and managed expectations of what the choice makes. It's an amazing thing and extremely rewarding, but it's not without pitfalls. But, that's life. Haha. Anyway, sorry this got long. Feel free to ask away with any other questions you might have! Good luck to you both!
  19. Not sure how wide-ranging you're looking, but civil service is another solid option. Most cities and departments will let you buy up to 3 years of prior military service from before you're hired, then you have another 5 years of USERRA protection after you're already on the job. OTS/SERE/UPT/(potentially?)FTU do not count toward that limit because they're "School" orders, so that 5 year is theoretically longer because the ~1.5 years of school are exempt from USERRA 5 year limit. At least for NYC, as @Chida said above, any named operations can be eligible for differential pay, too, which is a huge benefit (mainly because you're also able to pay into retirement plans). I'm not getting the differential pay while in school, but my time is still clicking off toward my retirement. I'll have to pay into the pension a % of salary to "buy" the years that I've been gone when I get back, but it's still nice to have the clock still rolling. Another positive is FD or PD are very similar to military life (camaraderie, excitement, etc.), so the work risk/reward happiness is similar. So is the bureaucratic BS, but that's kinda life. This similarity also flows over (usually) into extra military leave pay to attend military obligations, but those benefits can vary greatly by department/city agency. Lastly, you'll also get Veterans' points that can help move your name up a list. They can be used while trying to get hired, or for promotional exams after already employed. Lots of benefits, similarities, and symbiotic relationships between civil and mil service, if that's your bag.
  20. You're fine and, if you interview well, you likely won't get more than a passing rib of math not being your strong suit. My quant was about half of yours (the rest of my scores were comparable to yours) and, besides for a ball-breaking in the interview with me admitting I'm a bit math...challenged..., not one person has mentioned a thing about my bad Quant score. Knock the TBAS out of the park, put together a solid packet, and interview well, no one is likely gonna care about the scores.
  21. Just a still-in-UPT-dummy bubba here with just some anecdotal/not likely super helpful info, but we've had access to it for all of UPT. I don't think I saw any IPs use it during T6s, but I did just have one use it recently during Toners. It was pretty in-depth and seemed to break down each section of the flight (pretty sure I saw being able to map a specific approach, too), which was quite a bit more than the green lines Foreflight is giving. Again, I don't know how to use it personally (and we're not supposed to have Location Services on, anyway), but it did seem to be pretty useful when the one IP I've seen rock it went through our flight in debrief.
  22. Know a Maj and quite a few Captains going through UPT (both Guard/Reserve and Active), so it really doesn’t seem to be an issue.
  23. That’s the short, short version of exactly what’ll happen. The unit can help if you hit stumbling blocks with the recruiter, but your unit will have little to do with you again until you finish at your FTU in about 1.5-2 years and start your Prog/seasoning tour. MEPS, FC1, swearing in, and Reserve Board are going to be recruiter handled; OTS, IFT (if you need it), SERE, UPT, and FTU are all handled by the 340th. The recruiter will get you to MEPS, get all your initial paperwork done (be ready to send and resend things a thousand times), get you scheduled for FC1 (can take awhile, so push hard to get there), get your application to the Reserve UPT board (similar to applying to a unit), and then swear you in. All of that has to be done before the recruiter will get you gained by the 340th. The 340th will pick up the ball from there.
  24. Thank you again for the help and pointing me in the right direction! I appreciate you taking the time.
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