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That assessment is 100% accurate, in my former platinum member opinion. The give back is a real steal by that company, but nowhere near as big a steal AS THEY AND ALL THEIR EMPLOYEES DO TO THEIR CUSTOMERS AND SUCKERS UPFRONT AND OVER SUCCESSIVE YEARS OF OWNERSHIP. TAKE ADVANTAGE OF THE OVATION PROGRAM WHILE YOU CAN. I AM DOWN ABOUT $400,000 Over The past 10 years, but now my adult children will never inherit that liability!!!!!