Just to clarify our past experiences booking direct with RCI, we pay the points protection if the points at risk are above 25,000, using the logic that points can be purchased for around $.001 each, so 25,000 have a street value of about $250.00 so the $89 points protection fee on a percentage basis is not worth it below that amount. Unfortunately, life happens to us, and with having to book and pay non-refundable fees of $299 plus the $89 cancellation fee puts the entire amount at risk at $519 Canadian per week, and we never book for only 2 weeks, so our at-risk money is well over $1000 and we have had to cancel a few times lately. For that reason we are looking at getting completely away from our traditional RCI account in favor of HGVC. Does this make sense to anyone?