Max9 Everything I've read here indicates that anyone in charge of a key is inclined to escalate. Hell, I've escalated on Pru just for the fun of it. I don't want to be on the receiving end of that. Once you're locked in, your bargaining power drops. The first time you put on a belt, you're indicating that you're willing to bargain that freedom away. I worry about that a lot and sometimes wish I'd never put it on in the first place even for fun.