That’s what i have done.
However if all these programs reconsider the retro-active issues, the CORE issue here, (which I’m sceptical about personally), i think it should come with a cover-note saying that they won’t pull the “retroactive” stunt again. Else why trust them not to do it again?
Everyone accepts that a business needs to review its policies once in a while, but by applying negative changes to previously held agreements, you are basivcally saying you can’t be trusted to hold to an agreement.