<p>Regarding #77:
The real issue for waiting for January 2011 is that the contract in effect for 2010 is a legal document with specific parameters (ages and dates of effectiveness) written into the contract.
It is easier for all involved to make changes for the next contract (2011) than to void/reissue the 2010 contract for the (relatively) small number of aging out but not yet 26 year olds.</p>