We spoke with a DVC sales person in the park when we were there in October, so we got the general gist of the program, but I'm looking for a little more info. Like, are there payment options for it, or does it have to be paid in full initially? Are there budget "packages" or is it one rate to join? Actually, any info, suggestions, advice from anyone who has a membership would be great. This is something we're considering, depending on the bottom line price and options. Thanks!