Halve/quarter your downsides, double your upsides, and you get a more accurate reflection for the Consumer/Small Business side of the house. IB/Commercial have

Halve/quarter your downsides, double your upsides, and you get a more accurate reflection for the Consumer/Small Business side of the house. IB/Commercial have a higher starting point but I am not familiar with the dynamics there. IT/Corporate is on par with Consumer/Small Business. That said, perceived poor performers really don't get paid well or get bonuses, and that's usually the only clear signal you get.