Jeff 

There’s no “tiers” in this.  I’ve heard people talk about tiers.  That’s a bunch of horse crap.  If there were going to be tiers in this, there would be more than one rate change.  You would need more than one rate change to accommodate tiers.  There’s one rate change. There’s no tiers period.  When the rate changes, I don’t care who you are, I don’t care if you’re elite…federal government or…Joe Blow down at the civilian level, that’s when we all exchange, when the rate changes one time. : Jeff