I think it's the economy also. DH is a professor so his main job is secure. He also consults, however, and we're keeping an eye on that. I have my own business, and that's gotten a bit slow. While things are fine, we are watching the budget more carefully than a year ago. We have a son in college, too, and that is a priority. So, while we are happy owners, if things took a bad turn our DVC would be something we would take a hard look at as an item that is not an absolute necessity.