Well said mate! I agree with you. They speak HALF TRUTHS for showing large savings to customers. If you make adjustment for all the factors(e.g. consider future value of your lump sump money, yearly charges, inconvenient locations, limited options, Qulaity of Service, risks on investment [Especially in India] etc) While the truth is that you do not save more than 10-15% per holiday trip. Mate this is not at all WIN-WIN concept in India.