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Coach
I’m going to say lacking. I’ve been fortunate to never work for a company that doesnt distinguish between time off but it’s not unheard of for it be combined. Usually if you accrue vacation throughout the year the company “pre-loads” 3-4 personal days to account if you need them at the beginning of the year or they will let you go negative if you will accrue it within the year.
TL;DR: definitely lacking