> What I'm getting at is that risk taking is disincentivized your first year. Ah yeah, that makes sense and I didn't think of it that way. I guess I personally

> What I'm getting at is that risk taking is disincentivized your first year. Ah yeah, that makes sense and I didn't think of it that way. I guess I personally don't look at it like that, but I can definitely see and appreciate the thought process.