I upgraded from the 11PM to the 12PM through the upgrade program. This is the first year I have done the upgrade, I started the program last year when the 11PM came out. Just wondering if, within the 2 week period I decide I want to keep the 11 PM and return the 12, how easy is it to do and do you lose any money? For example, I have already paid the tax and the first month payment on the loan for the 12, PM, would I lose that money?