One would have to define just what "work" is. If one defines it as time either sitting and waiting on a doctor in an office and finally having some time discussing product and hauling in samples, well 20 hours could be close. However if windshield time is considered as work time, if teleconference time is work time, if dinner program time is work time, if physician convention time is work time, if paperwork time is work time, if car maintenance time is work time, if travel time to meetings is work time, etc.; a rep will usually go over 40 hours. (Keep in mind to that our salary week is defined as something like 37.5 hours, not 40 hours.) Novartis set up the definition of our job and they defined the hours, we didn't.
Apparently the courts did not agree with Novartis' arguments, so arguments about how much someone worked or didn't is somewhat silly. Does anyone who wants to be "Big Brother" and wants to argue that someone only worked 1 or 2 hours per day want to show the video surveillance documentation that they have on someone else to prove that such an assertion is justified? Likely not. Also, if you, particularly if a rep, were busy checking on somebody else's use of time, where does your use of time like that fit into your job description?
As someone else implied, I don't believe anyone granted a settlement check will be turning it down for whatever reason.