Just transfered my remaining Gold Points to United with the help of Jim (nice guy). He told me that yes, the structure did change today, but that he would still transfer my points at the old 4:1 ratio. Only I had to use the new 4,000 min. increment instead of 2,000 so I ended up putting all of miles into 1 account instead of breaking it up. Thank God I read the posting today. Thank God I read flyertalk or I wouldn't have had any points to transfer in the first place.