Id like to weigh in on the insurance thing as well;
I used to get 1 credits every 6 months, plus an additional yearly credit for a total of 3 per year.
Now they tell me that if I enroll in the semi-annual program I will only get 1 every 6 months.
So instead of getting essentially 3 for my participation, Im now down to 2...
1-800-Denmark#somethingrotten