DW and I are fairly conservative and were very apprehensive to join DVC, but we did it and I am glad. Recently I decided to start my own accounting business. Knowing what it would cost to do such, what do you think would be the first thing to cut out when times are tight. Sure, vacations. Well now that we have the room already paid for (of course except for maint.) it should guarantee that we will go away once a year if we have to cut back.