What to check before signing anything, and what can wait.
The change has been coming for a while, but it only became obvious this year.
What it costs
The practical effect is easier to see in a single example than in a summary. The exceptions matter more than the rule, and there are three of them.
The exceptions
Nobody is required to explain this to you, which is half the problem. The figures move about, but the direction has been the same for three years.
What actually changed
The figures move about, but the direction has been the same for three years. There is a deadline involved, and missing it costs more than the difference.
None of this is urgent, but it is worth an hour before the next renewal.