The consultants know the password something like a month in advance, they should tell you each week - if they don't, I suggest you text or ring her to find out what it is. There should also be a board in group with the password on, ours doesn't always remember to tell us but it is available on the board.
As for being in a recession, this is no reason for SW to drop their prices. The consultant still needs paying and I doubt she needs a drop in wage!! Running costs will have increased an awful lot, think fuel prices?
Also, if the price hasn't gone up in 5 years then I think a ten percent rise is pretty acceptable, if not annoying! Perhaps it would be better to have a small increase every year rather than not put it up for ages and then have a bigger price rise and annoy people.