Ray,

I respect your view and fully understand why a space would do that. It's 
how I currently run my space. I view roll over days as a potential way of 
retaining members that would otherwise just cancel. If an individual 
doesn't use their days but can bank them then they are less likely to leave 
completely but downgrade to a low level plan because if they cancel their 
plan then they will loose all of their days banked. I think it would be 
interesting model to test.

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