Thanks for all the responses. It's great to get opinions from both sides.
Another question...Maybe it has already been answered and I didn't catch it (still drinking my coffee).
If you have someone that is Grandfathered into an older rate, how long would it take for a break it visits before they are no longer grandfathered? Come on GP you should be able to answer this...LMAO! At this point you may need additional screening!