Wow---we made our $500.00 down payment and within days, our packet was mailed to us---we just rec'vd our permanent blue member's cards---we didn't finance though, don't know if you did---that could be a slow down.....so long story short, we started this process in March, we long since rec'vd the document package, signed and sent back the SAME DAY---then we got our temp cards, now as of last week, April 1, we had our permanent cards---still don't have our "deed" yet, but that's all we are missing....we've been able to make ressies etc., going home the first week of September and we are thrilled!