Not sure when to officially consider myself an owner, maybe not yet even?
I called and placed credit card deposit in October, 2003. ($79/pt.)
I got my Blue membership card in January, 2004
I have not yet made any monthly payments.
SSR does not open for another month.
And my use year is as of June 1st.
So, some might say as of 10/03, others could be right if they said 6/04. I don't think I'll really feel like an owner until my first trip home this summer.