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well, thank you ken. You have, finally, laid it out in a fashion I can understand. I'm willing to risk my credit, which is now excellent. And I will write my timeshare and offer the unit back in lieu of foreclosure (I've already told them, on the phone, that I wasn't going to pay them any more). And then I'll just wait and see. I see no point in sending them any more money. And if the unit has any value at all (which I doubt), someone will take it off my hands. However, no one wants to list the unit at $0. So I suspect that those in the know realize that the unit is worthless, or less. BTW, it's "dire STRAITS," not straights. Joe