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Bob-- No question that things have really changed and we are not totally happy with the changes. You seem to know and understand the legal side and I ask you--are these changes legal or aren't they? If they aren't then something should certainly be done to make them accountable (i.e., class-action lawsuit). If these changes are legal--and we are all in the same boat--what can we do to make this system work for us? I agree the points are outrageously priced, but I wonder what the going price is for a week in the timeshare industry? I personally have no idea what they are currently asking for a week or the equivalent number of points. How does it compare with MVCI? Hasn't Disney also gone to a points based system?