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I haven't used HSI at all because I have the other time share club that is exactly the same. The only difference is that the price to join was a tenth of the cost and they told me exactly what I was getting. That is proving not to be much of a deal either. I think it was better about 8 years ago. I have my low price cruise with HSI that I am supposed to book in the next few months. Did anyone else take them up on that? It is cruise for 2 and costs between $399 - $699 depending on the length. Now I'm afraid I would pay and there wouldn't be a boat! This just keeps getting worse. JK