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EDIT: My FC account for new member invites says it's "an annual rate of $395 (vs. our standard rate of $795)." I definitely wouldn't pay that standard rate! @sassycat, does your SIL have a lower rate she can share?[/QUOTE]


She said that when she called they told her $395 with $100 gift card from American Express back and I think she said she would prefer to skip the American Express gift card = that's why it was $295.
@boots - sounds like you have a great idea on using it to pamper yourself too!