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Thanks Ken, I knew that membership was my option but thought that since my resort was affiliated with II that I had to use them for exchange. You have cleared that up for me. I certainly can't see paying $138 a year for membership and not benefit from it as well as paying that or more to exchange. Yes, I realize that depositing my week with an exchange company "it's off the table" for my use in any way. But I'd only do that if I wanted to go somewhere else of course. Thanks again.