My DW just called to make reservations for our trip in May and was told by a Disney Travel rep that there is no more CRO. Is this true? She also told my DW that we could not cancel our reservations within 45 days of travel without $79 insurance and there would be a $50 fee to change our reservations within that 45 days. We are not certain where we want to stay and would upgrade if a code or AP rate came out, but if it came out within that 45 days they would charge us $50. That seems unfair. What do you think?