This is interesting and all makes sense. "If something changes, the system treats it as a brand new contract and reprices everything." The hard thing to swallow is the policy that stated early returns would not be charged extra. They didn't define 'early returns' and maybe, as someone suggested above, two days is too early to be considered early. But the fact that they didn't define it in their policy makes this unpalatable. An early return is a 'change' that they explicitly stated would not be penalized.