For those of you who haven't bought, no, this may not effect what you would have actually used your points for - but it's the trust thing. I "trusted" my guide with the flexibility part as well as the assurance me dues would never approach the 15% increase per year they are allowed by law, (and have gone down in recent years ) Perhaps assuming that trend of cost containment was stupid too. I must say - I'm worried about that sales pitch now and wonder where the next gouge will come from...