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Arthur, blinded by the prospect of a $99-a-year getaway, signed the stack of papers. He left with a plastic keychain and a sense of triumph.

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The "tour" was a brisk three-minute walk past a pool that was currently being drained and a "fitness center" consisting of a single, squeaky exercise bike. Then came the presentation. For four hours, Gary showed Arthur slides of sunsets and happy families, his voice rising in pitch every time Arthur mentioned the word "budget." Arthur, blinded by the prospect of a $99-a-year