A 15% pay cut, which gives you the advantage of not moving every two or three years, allowing your kids to have the same friends, attend the same school, your wife keeps the same job, and you get to keep that mortage going on the house you love, and live in the city you like, yet share many common benifits as Regulars do. Its a trade off, but the good still outweighs the bad overall. I was once CL B 'A' myself, so I am non-biased.