Alright - Here went another 8 hours of spa shopping - I have seen Artesian, Marquis, Sundance, Resort Spas, Master and others. I really like the asthetics of the Master Spa. Yet, I live in MN and every other dealer turns red when I mention Master. They say that they are the worst tub built for the cold. This is because they are not full foam insulated. Yet, the master dealer says this is a better way to insulate. He claims they are the only spa correctly built for the cold. I am a single mom not wanting to make a huge mistake. Please help! Some hot tub expert tell me your opinion on the insulation! I want to make a decision and be rid done thinking about it.