A lot of consumers use the term 'bait and switch' when they hear this.

a bait and switch

When they made it 2-2, I just didn't have the sense that it would totally switch the other way even though they caught up.

It sounds like a classic bait-and-switch.

It is the great American bait and switch. They say, 'We're going to give you tax breaks' -- and then you find out you don't qualify.

We know there are many misconceptions on the part of consumers when it comes to long-term care insurance. They think the insurance is too expensive, they often think it is only for old people and they often believe they can simply pay these bills from their own savings.