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I had a look at the link to the 3yr RCI points thing, I am a little confused as to what you actually pay. For example the 63k had a fee of 1226 I think, do you pay that year 1 and only in the 1st year or it that all three years (ouch). Does RCI roll over points for three years or just two. It's a little confusing on what you get. With no home resort or nothing to fall back on, I guess it's only a three year risk though. I dunno. Barb