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Yikes.... Senior moment (I mentioned I was retired, yes...?). Forget the acronym--point stands (it's an entitlement, Finance can't screw you out of it). Now, get off my lawn while I go to the commissary for some cigarettes....

The entitlement generation indeed...yeesh!

And you would be correct, but he was on a roll. https://www.dtic.mil/whs/directives/corres/pdf/134025p.pdf

I thought the E in CZTE stood for Exclusion.

Here's my NBoK story, I contacted them in February of this year, 2015, and started working with Amy P. Unique to my situation was that I was coming off MLOA to head back to my airline job and was going to purchase my home right after getting back from my deployment. The issue was I would be on AGR orders for less than a year, and would not have 2 pay stubs from the airline to show proof of income so Amy did an OUTSTANDING job of just taking a copy of my airline contract with my seniority list to show what seat a could hold, and computing my projected income. Way above and beyond but absolutely outstanding! Fast forward a few months and I end of up getting extended on MLOA, home area where I'm going to purchase changes, but she makes it all happen, locks me in at the lowest rates of the year, answers questions on weekends/vacation, and does an incredible job. I honestly can not think of a negative thing to say about the entire process and will/would recommend them to anyone who is ever looking to purchase a home. Great work, thanks for all the help, and I'll be using them for my next home without question. Sledy