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We call this switch from one Collection to another for reasons that do not exist the Ping Pong up-sell. Our member sponsored Facebook has heard complaints from 543 Diamond members. One Virginia Diamond sales agent was showing a member pictures of decaying air-conditioners in Hawaii, as the reason they needed to switch to the US Collection from the Hawaii Collection. A retired letter carrier, forced into insolvency because he was switched back and forth, up-sold to $2,700 a month in Diamond loan payments, was told in Florida he should not have purchased the Hawaii collection because Hawaii has hurricanes! This is a link about the 2012 Kauai assessment. https://www.tripadvisor.com/ShowTopic-g60625-i1817-k5926954-Settlement_Reached_Between_Diamond_Point_at_Poipu_Owners-Poipu_Kauai_Hawaii.html One US Collection member checked and reported to us that he was told the state was going to pay for recent beach erosion. After the programs presented (that do not exist), about the ability to eliminate maintenance fees or be able to sell points, the Ping Pong up-sell is the most common complaint. One Diamond member is an ocean engineer. He said, first, 2020 is too far out to predict with any sort of fidelity. In other words, concrete financial planning numbers at this stage are unlikely. He said the member should ask for documentation to support the $6,000 estimate. There is an effort to have cost sharing between stakeholders and the federal entities. He has not heard of a federal project in Hawaii. It could be state, but most major beach nourishment projects are underwritten in part by the federal government. He has not heard of a state paying for damages from a flood. The member needs to know what specifically the $6,000 assessment is for, in more detail than just beach erosion. Is it for protection or for damage that has already occurred? One is flood damage expense, the other is flood protection afforded by beach nourishment projects.