BREAKING: MUA Negotiating Team Still Hiding Behind Chapter 78… Which Doesn’t Even Apply. Witnesses say every time someone suggests lowering healthcare contributions, management screams “CHAPTER 78!” and dives under the conference table. Experts confirm it’s the longest-running game of Make-Believe in public employment. At this point, they’re not negotiating a contract—they’re auditioning for a fantasy series where imaginary rules save real money.