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Feeling so stoooopid!!! We were conned by sales into trading in our 'developer price paid' Fountains II week for Cascades (with new mortgage) just a year prior to the refurb announcement. Factor in the Cascades refurb cost (we paid it from fear of retribution) and we've now overpaid three times. :( We were told that Fountains owners could never participate in SVN, which sounded like a better idea at the time. It's hard to take a full week for vacation anymore and RCI exchanges were hard to find without lengthy notice. Now our hope is to reserve a week, rent it out and try to recoup some of the loss. Probably be lucky to get MF's covered this year...