The resort had to escalate the planned maintenance of exterior siding so they needed to raid the Capital Reserve fund. In order to keep everything in balance, DVD loaned the money for the project to the owners. At the same time, the multiple hurricanes that affected the south (not HH) did cause an increase in insurance rates. Those two situations caused the HH fees to increase considerably. VB also increased due to the insurance costs, but not as much as HH at that time. VB was significantly affected by the hurricanes during that timeframe.
As Kristen noted, the HH loan will be paid off this year so it should have some affect on the 2013 fees, but that will be a minimal amount - so I do not expect the fees to decrease overall for next year.