I agree. I think II is shameful in their tactics in this crisis. I lost two great weeks, Aruba SurfClub and Ko Olina both two bedrooms, that have been put into Flexchange. And they reverted back to studios even though I had paid to upgrade them both to two bedroom units. And the I only have till December to use them (at 30 days out). What a waste!! And I do have Marriott insurance. They only cover you if you are sick with the Coronavirus, not if the resort or the location is closed down. What a pitiful way to treat members that have been paying them, and really overpaying them, for so many years. I wish I never gave them any of my weeks.