Everyone must make their own decisions, but I urge you to read the proposed offer, ask questions, and consider the alternatives before deciding. I have been here over 20 years and gone through many contracts. The FOP is not trying to scare anyone by letting you know what the alternatives are to voting "no", just keeping you informed as to what is the next step if that happens. The thing to consider here is the enormous financial benefit the current insurance plan constitutes. Trust me, with the