I think what bothers me most is not knowing why the changes are made. If the change in banking rules is really because so many people found the old rules confusing, that's one thing. If it's because DVC is having problems renting rooms for cash, then that says something else about the health of the system. If the $95 fee really represents the increase in costs associated with the service, great. If its intended to discourage members from using the exchange, then that's not so hot. If extending OKW contracts an additional 15 years is a response to demand for DVC, great. If it indicates that they don't plan on any resorts lasting later than 2057 then that could hint at a slow down in growth. My point isn't that any of these reasons are correct, but when they make changes without meaningful explanations, you (Ok, maybe just me) tend to think/dread the worst.