Another likely reality here is that there are A/B/C tests running, and this person just fell into a cohort where 12 month options were unavailable by chance. E

Another likely reality here is that there are A/B/C tests running, and this person just fell into a cohort where 12 month options were unavailable by chance. Either way, i'm just a pessimist, going digital isn't easy for any legacy company and it's clear they're all struggling.