Ha $20k here too! And it was not from poor budgeting but poor contractors -- again and again. ugh and one HUGE miscalculation of material cost from our wall guy. Oh well -- otherwise I wouldn't have thought twice about it and just went with the "sure thing". We shall see!Good luck with the purchase, for $850 you pretty much can’t go wrong. Even if it only lasts 4 years you will only be replacing the cover, Not paying for a cover AND a pool. That was our problem. We had blown our budget by $20k long before any closing thoughts came to mind. Getting the name brand cover huuuuuuuurt.