The chances that the merger is disapproved, either by court order or mutual agreement, are slim.

There will be less competition (only 3 as opposed to 4 legacies).

Less competition means less incentive to give away what can be sold, e.g., FF program benefits drop.

Even on the off chance that the merger doesn't happen, the economy is improving and, while it may take longer, FF benefits will continue to wither.