With the markets, don't wait for Merrill-Lynch to contact you. Call them and control what's left in your plan NOW!!! Contrary to the papers you receive, You don't have to wait for M-L to contact you.
Shame on SWN for letting go of the people that built the company! You can't replace the long term employees with cheap stupid college grad labor. What a chicken shit way to run a company! Karma will bite that logic. I'm sorely disappointed in some of the upper management that I used to have respect for. SWN needs to cut the mid and upper level salaries.