Plus most importantly it's non-portable. You're dependent on their good will (hah!) for the ability to retrieve it from them in the future at whatever (partial)

Plus most importantly it's non-portable. You're dependent on their good will (hah!) for the ability to retrieve it from them in the future at whatever (partial) rate they decide they can get away with. I thought they were criminals for going to lump sum match. This is net level stuff...