Smitty28, that is what we did. And, we decided to pay high academic/baseball 100% retail. Sure, some folks might game the system to their advantage and spend big and save little. We decided to do live our lives differently. But, no, I still do not think it is big-picture unfair or worthy of complaining for those of us fortunate to be in the upper-middle class and making the call to pay full freight. But, I leave room for the possibility I might be wrong.