Like everyone else, I'm here to express my utter disappointment with this change. I just got my email stating I'd be losing my pay on time discount, and it was instantly clear that I will be, again like everyone else, several hundred dollars worse off each year. As someone else pointed out above, I was automatically set to be put on a plan at 1% below the reference rate, and while the email did contain a link to browse new plans, there was no pointed advice to do so. AGL's reply to this was some ...