I just realized that on the Inflation Estimates sheets I used the rate for a studio at VWL during value season which is $265. But the LOS in points is used during magic season. So you really could plug in $280 in 2001, which would give you a dramatically different number. I also added a worksheet. This one was used with a 50% discount of 2001 Rack Rate with NO Inflation for the next 40 years. Well guess what... you would still save 21,000 dollars! For those of you who don't think DVC is not worth it, you would have to find a studio room at VWL for under $109 a night until the year 2042 to just match the savings you get with DVC. Good Luck finding that rate in 40 years