They need to go into a room and hash out an agreement. This meeting every few months to agree on nothing is getting a little rediculous. How hard is it for somebody to take a lead and say that a decision has to be made today or one will be made for them. We are being held up and financialy ruined just because a few people can't or won't make a simple decision on what they want is criminal. These people in charge of this are just wanting to enjoy their personal perks instead of working for the majority of people who need an answer quickly for educational and financial security. Getting it right has so far gotten it wrong.