The MEC is voting on this LOA in the next two days. My opinion: The LOA is severely slanted towards the most senior and limits how much the company can put into your PRAP (not opinoin). Someone is trying to "preload" the MBCP balance as to drive down initial fees. So basically, all of us will have to pay so those that want the MBCP can have lower ancillary fees. Give that some thought. Text and email your reps accordingly. If they vote against the majority, hold them accountable. I ain't saying how to vote, I'm just saying educate yourself and have your reps work for you.