Yes, that is how they get away with underpricing the contracts, which as a seller, I find to be wrong. They take advactange of the fact that when someone calls Disney, they are given Fidelity's info and the unsuspecting seller calls and leaves money on the table. If someone is calling Disney they are typically older or not tech savvy, so they have no idea what their contract is really worth or what options they have. As a seller I find this sad and infurriating (sic). Having 16% of the market is small and reinforces my point about not using their numbers to gague (sic) what true market value is. I realize there are alot of very passionatie buyers out there dying for a DVC Crash, I don't get it... but you do you..