Agree.   However think about it, everyone does it for a reason - pay monthly or quarterly and you pay more, pay annual and you pay less - it's simple and there is a reason everyone does it - many more people will buy ST plans which are more profitable for BPT and honestly once they see what they are getting they will convert.  Doesn't need to be a big difference but 20% -25% discount for annual seems to be the norm vs. monthly.  It's easy money for BPT and a win for us long timers.