Carol - you are so right ! Yes, we love SXM and Club O with all our heart. We have given them our business for many, many years. However, at the end of the day, it is a business. A business which should have contingency plans in place, all the right insurance, etc. We were more concerned about the wonderful folks who ended up losing their jobs; their livelihood. We were scheduled for November and requested a refund. We received the refund, after many, many emails, etc. The "right" thing for us, was to put that money towards another vacation, which we did. We don't have unlimited vacation dollars and vacation days ! We don't judge; and don't expect to be judged by not donating our deposit to Club O.