We are in the boat of having reservations on them in February. My wife has mobility issues, so I wanted her to have the Big Comfy Seat (or whatever it is called now) My fare is refundable but apparently only for a credit. I politely asked the representative I finally got through to and said not to be funny, but I told him I don't think that would do me any good. I then called American Express who assured me that if they are out of business before my flight, I could dispute the charges, and they would take care of it. I just they would do it already so I can get a new fare!