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Book Online or call HomeAway Booking Assistance 888-640-7927

Romantic Master Suite! Premium 2BR CONDO by Lake Cumberland State Park. RELAX!

Bedrooms 2
Space 960 sq. ft.
Property type condo
Minimum Stay 2 - 3 nights


About the property

Resort Condo, Pool, Tennis, 2 Bedrooms + Convertible bed(s), 2 Baths, (Sleeps 6)


The Lewin-Campbell family is proud to share our Lake Cumberland home-away-from-home with your family! Mrs. Clean is our housekeeper! We pride ourselves on cleanliness & friendliness!


"This condo is offered for rent by an individual owner, not the Apple Valley Condo Association." Apple Valley is not in the condo renting business, and only a handful of owners choose to share their units with lucky guests, who return year after year!

Apple Sally's S-3 condo is located is a private, gated community conveniently located at the ENTRANCE TO LAKE CUMBERLAND STATE RESORT PARK!

LOCATION! LOCATION! LOCATION! Park your car just steps from your front door! Very convenient location for loading and unloading. Only one small step and you're inside! We love that our condo offers room right out front to park your boat for a limited time to load and unload. Click SATELLITE on the map to see for yourself!

YES! We have great cell phone reception, we're the closest condo to the cell tower!

YES! We have WIFI, but you may have to go to the clubhouse to connect to the internet. I am usually able to connect from our second floor balcony, as our condo overlooks the clubhouse area, by the pool, where the router is located:) If you absolutely cannot do without wifi, you can always count on reliable internet service in the picturesque lobby of the State Park Lodge, just 4 miles down the road!

YES! We have DISH TV (including local channels)

SORRY: NO Smoking in Condos and No Pets!

We are close to the pool and playground too. Our condo is located in the highest point of the resort, offering a spectacular view of the resort and the surrounding hills. We have a seasonal view of the lake from the upper balcony, and a grassy (watch for grazing deer) and wooded view from the front.

Our condo has been renovated from top-to-bottom and has been designed to reflect the warmth of Kentucky hospitality.

Each level has a new LCD flat screen TV.

EAT-IN KITCHEN offers new custom crafted wrap-around solid oak cabinetry. Whirlpool appliances and refrigerator with freezer large enough to accomodate a cooler full of ice for your day on the lake! You can now conveniently purchase a $2 bag of ice right here at Apple Valley Resort!

Our condo SLEEPS 6 comfortably, with NEW queen size sofa sleeper (upgraded with wonderful cloud-like gel mattresses), and second bathroom on the entry level.


My 'Beach Castle' is Upstairs:

KING MASTER SUITE with oversize 'white beach cottage' dresser and chest, New Sony Flat Screen TV/entertainment center, and private balcony with new "bistro" height table & chairs.

QUEEN GUEST BEDROOM (also beach theme) upstairs connects to the shared bath. Each bedroom has separate bath access.

Both king and queen beds provide plush, pillowtop comfort!

We have also replaced and upgraded ALL interior (six panel) and exterior doors and windows, to maximize the spectacular views of the resort and the surrounding natural beauty of the Cumberlands.

LINENS AND TOWELS PROVIDED to accommodate six. Bring beach towels! There will be a starter amount of paper towels, toilet paper and soap products for your convenience.



Our condo is the best kept secret at Lake Cumberland!

The resort where our condo resides is a small privately owned community with a security gate, and most owners choose NOT to rent their units, keeping them as family summer getaways.

Apple Sally's Condo is located on 72 wooded acres in Apple Valley Resort, 145 State Park Road, just after you turn at the big 'LAKE CUMBERLAND STATE RESORT PARK' sign off Route 127.

Apple Valley Resort adjoins the property of Lake Cumberland State Resort Park. The resort offers a large pool with a diving board and lots of chaise lounges and umbrella tables. There are lighted tennis courts and a basketball court.

You will enjoy the beautiful covered picnic area (lights and paddle fans!) with family size stainless steel gas grills, located right next to the playground, pool and clubhouse. There's a CAMPFIRE RING too - and Rocking Chairs:)


You can hike to the lake and take a dip in the secluded cove if you are adventurous!



You can launch your boat at Lake Cumberland State Resort Park, or the newly updated facility at Wolf Creek Dam . They provide access to two completely different sections of Lake Cumberland. For kayaking, or a quick spot to jump in the lake, go to Rowena Ferry Road - approx. 2000 feet from our condo's Entrance, just off State Park Road!

Ski-boat, fishing boat, pontoon, and jet-ski rental are available for your family's fun time just down the road at the State Park Marina 1-888-782-8336 and, or at nearby Jamestown Marina 1-800-830-5131.



We suggest that you visit the State Park lodge and pick up an activity/entertainment schedule. Most activities are free. They have just added a Disc Golf Course for your family's funtime - FREE!

Dining at the Lake Cumberland State Park Resort Lodge is a must. We recommend the buffets - and you can feed leftovers to the 'critters' at the lodge patio, overlooking the lake.

The breakfast morning view from the Lodge is awesome. Do not forget to watch the sunset from the Lookout Point, a spectacular view of the lake, and just a short stroll from the lodge. You are sure to see deer if you drive around the State Park at dusk.

Enjoy preparing meals in YOUR new kitchen, or enjoy the friendly service and county cookin' at the local restaurants in Jamestown, or at the State Park. Lake Cumberland is no longer in a "dry" county, so you can enjoy all your favorite beverages as you dine out.

NEW TO THE AREA? Our condo has a 'Welcome Book' to guide you with activities and local restaurants. We even have a collection of menus to review before you go!

Most of our rentals come from referrals and our valued repeat customers. We love our condo, and you will too. Like family, you will feel very comfortable and right at home here. We only ask that you treat our condominium with the same respect that you treat your own home. We look forward to welcoming you back year after year. We strive to offer the best Lake Cumberland vacation experience possible.

We do not allow pets, and our condominium is absolutely SMOKE FREE. No smoking, e-cigarettes, or vapor products.

We do not rent to under age 25, unless with parents.

APPLE SALLY'S CONDO is on Central Time. (Driving from Cincinnati/Lexington area, you will gain one hour when you arrive!)


FREE GUIDE and LAKE MAP - Call the Russell County Visitor Center at 1-888-833-4220, and the friendly folks will help plan your Lake Vacation.

BOAT RENTAL - Call State Dock 1-888-782-8336 (4 short miles down State Park Road)

Jamestown Marina 270-343-5253 (15 minute drive)


Lake Cumberland has more shoreline than the state of Florida!

Lake Cumberland is 101 miles long and is one of the largest man-made lakes in the nation. Each year millions of visitors travel from all over the United States to enjoy the rugged beauty of its 63,000 surface acres and 1,255 miles of wooded shoreline.

Known as the “Houseboat Capital of the World”, Lake Cumberland is big, crystal clear and a vacation paradise for fishermen, boaters, and those that just like to sit back and enjoy the view. Russell County is home to four commercial marinas providing boat rentals and lake side restaurants.


Ready to catch the big one? Lake Cumberland offers trophy-size stripers and hold the state records for brown and rainbow trout and walleye. For fly fishermen, the Cumberland River below Wolf Creek Dam offers some of the best trout fishing anywhere.

Hatchery Creek is located below Lake Cumberland immediately behind the U.S. Fish and Wildlife Service’s Wolf Creek National Fish Hatchery. The creek starts from the cold water outflow of the hatchery and flows over 6,000 feet before joining the Cumberland River.

Hatchery Creek starts as a maintained park-like fishing area for the first 400 feet from the hatchery outflow, to a small waterfall. This is Upper Hatchery Creek where you can keep up to 5 trout, with no size limit. From the waterfall and downstream is Lower Hatchery Creek where sport fishing regulations limit anglers to artificial lures, and catch and release only.

-CANOE/KAYAK RENTAL below Wolf Creek Dam. Canoe in the Cumberland River, or Lake Cumberland. Paddle to Paradise Island!


Browse through our many antique, craft, and specialty shops in downtown Russell Springs and Jamestown. You are guaranteed to find the perfect treasure!

Want more? There is a mall in nearby Somerset!

Keywords: Last Minute Special, Lake Cumberland State Resort Park, Apple Sally's Condo, Lake Cumberland, Affordable Luxury, Spacious Townhouse, Perfect for Couples, Families or Groups, Newly Updated, Resort Condos, Pool, Lighted Tennis, Playground by Sheltered Picnic Area, Gas Grill, Family Friendly Resort,

More Details


Apple Valley Condo Accommodation and Amenities

Property Type:
  • condo
  • floor 1
Building Type:
  • building
  • Guests provide their own meals
Floor Area:
  • 960 sq. ft.
House Rules:
  • Check-in: 3:00 PM
  • /
  • Check-out: 10:00 AM
  • Max. occupancy: 6
  • Max. adults: 6
  • Min. age of primary renter: 25
  • Children welcome ...
  • Parties/events not allowed
  • Pets not allowed ...
  • Non smoking only ...
Location Type:
  • Lake View ...
  • Mountain View ...
  • Resort ...
  • Rural ...
  • Adventure
  • Away From It All
  • Budget
  • Family
  • Historic
  • Romantic
  • Sports & Activities
  • Tourist Attractions
  • Air Conditioning ...
  • Clothes Dryer ...
  • Hair Dryer
  • Heating ...
  • Internet ...
  • Linens Provided ...
  • Living Room
  • Mobile Phone ...
  • Parking ...
  • Parking Off Street ...
  • Parking for RV/Boat/Trailer ...
  • Towels Provided
  • Washing Machine ...
  • Coffee Maker
  • Cooking Utensils
  • Dishes & Utensils
  • Dishwasher ...
  • Kitchen ...
  • Microwave ...
  • Oven ...
  • Pantry Items
  • Refrigerator ...
  • Stove ...
  • Toaster
  • Dining Area
  • seating for 8 people
  • 2 Bathrooms
  • Bathroom 1 -
    Bathroom 2 -
  • Tub/Shower Combo, Vanity Sink. Jack and Jill bathroom on the upper level, where each bedroom has private bath access.
  • 2 Bedrooms, Sleeps 6
  • LEVEL 2 - King size beds (1) Brand New White 'Beach Cottage' Master Suite with balcony access with bar height table and 2 bar height chairs. Plush new pillowtop comfort! Allergy resistant mattress covers for your protection., Queen size Beds (1) Plush new pillowtop comfort in the Queen second bedroom. Allergy resistant mattress covers on mattress and box springs for your protection and comfort. Jack and Jill Bath access of each bedroom. LEVEL ONE - (1) Brand New Sleep Sofa, Private Bath
  • Books
  • DVD Player
  • Game Room ...
  • Games
  • Pool Table ...
  • Satellite / Cable ...
  • Television ...
  • Balcony ...
  • Boat ...
  • Deck / Patio ...
  • Golf ...
  • Kayak / Canoe ...
  • Lawn / Garden ...
  • Outdoor Grill ...
  • Tennis ...
  • Water Sports Gear ...
Pool / Spa:
  • Communal Pool ...
  • churches
  • cinemas
  • library
  • live theater
  • marina
  • museums
  • playground
  • restaurants
Leisure Activities:
  • antiquing
  • bird watching
  • boating
  • horseback riding
  • miniature golf
  • photography
  • scenic drives
  • shopping
  • sight seeing
  • walking
  • wildlife viewing
Local Services & Businesses:
  • ATM/bank
  • fitness center
  • groceries
  • hospital
  • laundromat
  • medical services
Sports & Adventure Activities:
  • basketball court
  • cycling
  • fishing
  • fly fishing
  • freshwater fishing
  • golf
  • hiking
  • jet skiing
  • kayaking
  • rafting
  • sailing
  • scuba diving or snorkeling
  • snorkeling
  • snorkeling/diving
  • swimming
  • tennis
  • water skiing
  • water tubing
Security Gate, Coin operated Washer and Dryer (At clubhouse by swimming pool), Covered picnic table pavilion area with gas grill next to the playground, and steps from the pool, We have the nicest Fire Ring! Relax by a campfire under the stars for the perfect end to a perfect day on the lake. Rocking Chairs provided! Firewood is usually available, (or you can purchase it nearby at the Country Store or Campground) and the kids can search the woods for kindling!


Wonderful! 4.9/5 -
(97 traveler reviews)

94% Complete
5% Complete
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Romantic Master Suite! Premium 2BR CONDO by Lake Cumberland State Park. RELAX!
average rating of 4.9484534 based on 107 reviews
Jeffersonville, IN

A county paradise!

  • 5 of 5

This place was utterly amazing! Mrs. Sally was so kind and considerate and her place had everything! The decor was beautiful, and it contained such a homey feel that truly makes you feel like you are literally at your home away from home. So many wonderful amenities offered by the many favorites but if I had to pick one it would be the surprise we received when we got back from hiking at the park. Time got away from us and we had plans to cook was dark we thought we'd try our luck with our surprise the grilling pavilion had lights!! So awesome so we grilled and enjoyed the beautiful starry night sky. We also forgot our charcoal and was so happy the grills were gas powered. Staying at S3 provided me with such peace and tranquility and my family with memories we all will smile back on many years to come!

  • Submitted: Mar 31, 2017
  • Stayed: March 2017
  • Source: VRBO, from HomeAway
Owner's Response: What a lovely review! We are so lucky to be able to share our home away from home with wonderful guests like you! Love that you were able to enjoy the gas grilling area in the shelter house under the stars! When we're at the lake, we always end our day by relaxing in the Adirondack chairs by the campfire and enjoying s'mores! Thank you, Krystal!
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2 0

Great Location

  • 5 of 5

Very clean. Nicely decorated.

Enjoyed the owner’s booklet with restaurant suggestions. Will be back next year.

  • Submitted: Feb 14, 2018
  • Stayed: September 2017
  • Source: VRBO, from HomeAway
Owner's Response: Thank you! I’m happy that you appreciated the Guest “Welcome to Apple Valley” booklet I put together to share places to eat, special spots to visit, and things to do during your visit to Lake Cumberland.
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0 0

Cumberland park

  • 5 of 5

We had a really wonderful time at Cumberland park and the houses there are beautiful. I;m sure we;ll return there soon.

  • Submitted: Aug 29, 2017
  • Stayed: August 2017
  • Source: VRBO, from HomeAway
Owner's Response: Thank you, William, for taking time to share your experiences of Lake Cumberland State Park and Apple Valley. Glad you had a wonderful time, and so happy to here that you will return soon! Best, Sharon Lewin Campbell "Apple Valley Sally"
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1 0

Apple Valley

  • 4 of 5

Apple Valley very nice place to stay. We enjoyed our visit except for two items

1). MY husband walked around barefoot and I was in my white socks during our stay and we both noticed we had black feet/socks. We thought it most likely was from kitchen tile floor

2) WiFi did not work inside the unit.

  • Submitted: Aug 28, 2017
  • Stayed: August 2017
  • Source: VRBO, from HomeAway
Owner's Response: Thank you, Ann. Apple Valley IS a very nice place to stay, and we are happy that you enjoyed your visit! My husband and I had recently shampooed the carpets, and I probably should have gone over everything a second time! Thank you for letting us know. Apple Valley has a new internet provider, and now we sometimes have to go the upstairs balcony to connect to the wifi. The router is located in the clubhouse by the pool, and we (luckily:) have a direct view from our balcony!
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2 0

Wonderful, relaxing vacation!

  • 5 of 5

Apple Valley condo S3 was clean, updated, and well kept! Owners are very friendly and easy to get in contact with if needed. Will definitely visit again!!! Thanks "Sally"!😊

  • Submitted: Aug 6, 2017
  • Stayed: July 2017
  • Source: VRBO, from HomeAway
Owner's Response: Thank you for taking time to post a review! So happy to hear that you will be joining our list of repeat guests! Sunshine Always, Sharon "Sally" Campbell
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1 0


  • 5 of 5

What an amazing condo! We had a wonderful time.

  • Submitted: Jul 23, 2017
  • Stayed: July 2017
  • Source: VRBO, from HomeAway
Owner's Response: Thank you David! We look forward to lots of future visits to Apple Sally's Condo!
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0 0


'Sally' Sharon Lewin Campbell
Member since: 2005
Speaks: english
Response time:
Within an hour
Response rate:
Calendar last updated:
February 24, 2018

About 'Sally' Sharon Lewin Campbell

Our family has had a love affair with Lake Cumberland since our children were very small. We used to stay at the Pumpkin Creek Lodge when it was only $18/night! We did not even know Apple Valley existed until we met another family at one of the State Park activities and they told us they were staying in a privately owned condo at Apple Valley Resort. That was the last time we stayed at the State Park Lodge. Apple Valley was the best of both worlds for us. Close to Lake Cumberland State Park and all the free activities, but peaceful and secluded in a beautiful wooded setting...and a security gate for our family's safety. So we rented an Apple Valley condo for years. Then one unseasonably warm March Saturday we decided to drive down to the lake just for the day. On the way home we stopped at Ralph Roy Realty to see if they ever had any for sale, and what-do-you-know, Ralph Roy himself owned one and it was for sale - The rest is history! Now at least four of our former renters are now owners, and part of the Apple Valley Family! You WILL fall in love with Apple Valley. We now refer to our S-3 unit as APPLE SALLY'S CONDO!!! :)

'Sally' Sharon Lewin Campbell purchased this condo in 1989

Why 'Sally' Sharon Lewin Campbell chose Apple Valley

Apple Valley is the only place we ever considered. We had rented there for years, spending every holiday and a week's summer vacation at Apple Valley. We loved the convenient location of our condo as it is rarely crowded and so easy to load and unload the car and the boat. We enjoy spending quality time with our children and grandchildren at Apple Valley. Relaxing around the campfire (there is a fire ring surrounded by chairs) and roasting marshmallows in the evening is a special treat for the children. It is so nice to relax and unwind under the stars and away from the city lights. The pool is rarely crowded and the playground, tennis courts, and basketball courts are right there too. Kids run around and parents watch, smile, and RELAX! We also enjoy a hike through the woods. Of course we always wind up at the lake and let the kids jump right in Apple Valley's secluded cove!


Browse through our many antique, craft, and specialty shops in downtown Russell Springs and Jamestown. You are guaranteed to find the perfect treasure!

Want more? There is a mall in nearby Somerset!

What makes this condo unique

Our Apple Sally's Condo offers all this and MORE!

-DISH NETWORK TV, plus ESPN package!

-2 TV'S & DVD Player

-DVD Library

-Towels and Linens provided

-Soap/ Dish Detergent

-Starter Supply Paper Towels/Toilet Paper

-Private Bath Access from all Bedrooms

-Ski-Boat, Fishing Boat, Pontoon, Waverunner rental at State Park (approx. 4 miles)

-Near two Launch Ramps

-Near Golf Courses

-Horseback riding, Miniature Golf and Free Frisbee Golf at the State Park

-Grocery and Restaurants nearby (We have menus in a binder in our condo!)

-Miniature Golf and Go Carts in nearby Jamestown

-Movie theater/ Playhouse in nearby Russell Springs

-Antique Shops - and LOTS of Yard Sales!

-Hunt for Crystal Geodes! (Bring an old hammer to crack them open! I know where to find them!)

-Visit the National Trout Fish Hatchery (just below Wolf Creek Dam)

-Visit the New Wildlife Museum by the Hatchery

-Visit Rockhouse, a natural bridge formation by the Cumberland River

(hard to find, but I have directions:)

-Visit the infamous Seventy-Six Falls! (Swim underneath!)

-Visit Cumberland Falls

-Visit Mammoth Cave National Park

-Relax and do nothing but enjoy the serene beauty of Lake Cumberland

I know a secret spot where you can pack a cooler and lounge chairs and relax at the water's edge with a good book.

Sometimes I take a raft and pretend I am at the Beach!


Come face to face with the region’s underwater world at the exciting exhibit hall at the Wolf Creek National Fish Hatchery Visitor/Environmental Education Center.

The hatchery provides over 1,000,000 rainbow, brown, and brook trout each year to the benefit of the American people. Also visit Wolf Creek Dam. Over 1-mile long, the landmark which forms Lake Cumberland from the Cumberland River provides hydro-electrical power and flood control.

Guestbook comments from the owner

I accidentally brought home the guest book that has resided in S4 since 2010, and have been happily reading the entries since discovering the journal in my suitcase. The following was written by my daughter in the journal - and the others by our treasured guests. Hope you enjoy them as much as I did.

Sunshine Always, Sharon "Apple Valley Sally"

6/24/11-6/26/11 LAKE LIFE IS GOOD!

Haven't been down since the fall (due to boy's basketball games) and it always amazes me how gorgeous the lake is. I love very second of being on the boat. Kamden (6) skied for the first time, and she did great. Nolan got up as well:) We were here with Mom, Terry, and Neil. Mike, Kathy, Chelsea, Cassidy, Mackenzie and Tyson stayed in Mike's place (I-1). We met up with them on the lake but went our separate ways as we headed to 76 Falls. The water was deep, and we were able to swim under the falls…always invigorating!

Some highlights from this trip:

- Standing under Triple Tier with Kamden

- Hiking down the creek at Triple Tier

- Depancing a tuber (hilarious!)

- Swimming under 76 (well padding on Chariot)

- Kamden skiing

- Nolan winning a birdhouse at BINGO at the State Park

- Making Smores at the campfire

- Chillaxing! Have a great trip!
Jun 2011
  • 1 of 10


Lake Cumberland State Resort P
"Your visit to Lake Cumberland is not complete without dining at Lure Lodge at the State Park..."
Giovanni's Pizza
"We always enjoy the friendly service and great pizza at Giovannis!"
Lake Cumberland Golf Club
"Bring your Clubs! There are several nice golf courses close to Apple Valley."
Mini Indy Kart Track Family
"Family Fun and Excitement here!"
Jamestown Cafe
"A hometown favorite - good food, friendly service!"
Cat Fish Plus
"Didn't have any luck fishing at Lake Cumberland. No Worries! Cat Fish Plus will satisfy you..."
Lee's Famous Recipe Chicken
"Want a quick, hearty and inexpensive family feast? Lee's is the place!"
Nearest Barpub
There is a great lakeview bar-State Dock Marina!
Nearest Golf
12 Miles
Lily Creek Golf Resort
Nearest Restaurant
3 Miles
The Lodge at Lake Cumberland State Resort Park
Nearest Point of Interest
Nearest Point of Interest
Wolf Creek Launch Ramp
Nearest Point of Interest
State Dock Launch Ramp
Nearest Point of Interest
Rowena Ferry Launch Ramp
Nearest Point of Interest
Lure Lodge
Nearest Point of Interest
Trout Fish Hatchery and Museum
Car: necessary

Swimming Pool (onsite), Lighted Tennis Courts (on-site), Basketball (onsite), Miniature golf (State Park), Horseback Riding (State Park), Fishing (Lake Cumberland or fantastic trout fishing below the DAM, in the Cumberland River), Hiking (72 acres by our condo connects to the property of Lake Cumberland State Resort Park), Golf (Lakewood Country Club, Lily Creek Resort), Frisbee Golf (Free-State Park), Horseback Riding (State Park and Lily Creek Pay Lake and Stables)




Additional information about rental rates

CLEANING $75 + Tax
Refundable damage deposit $200
Tax Rate 10.0%

CALL OWNER - SHARON LEWIN CAMPBELL - FOR WEEKLY RATES! NEW VRBO LISTINGS SHOW ONLY THE DAILY RATES, AND NOT THE DISCOUNTED WEEKLY RATE. Your deposit is fully refundable if your reservation is cancelled at least 90 days prior to your scheduled check in date, at which point it becomes your damage deposit, refunded after checkout provided terms of the rental agreement are met. Rent is due 45 days prior to check in. RATES ARE NOT GUARANTEED UNTIL CONFIRMED BY OWNER.

Posted rates are not guaranteed and are subject to change until booked.

We do not allow smoking, including e-cigarettes and vapor products, not even on our balconies.
Apple Valley has a strict no pet policy. We do not rent to under age 25 unless accompanied by parent or guardian.

We request that you mail a personal check with the completed rental agreement for our records.
If you pay the balance online with a credit card, we will be charged a 3% fee, which we would have to pass along to our guests. After you book online, we will send you an email with your rental agreement to mail back to us with the balance, and we will cancel the online payment request. Thank you for helping us with this issue. Apple Valley Sally is old school (and old:) and likes to have the signed rental agreement for our records!

We are confident that once you have stayed in Apple Sally's Condo, you will never stay anywhere else again when you visit Lake Cumberland. There's no place more family-friendly and welcoming than Apple Valley Resort. We found it back in the 80's after many, many stays at Lake Cumberland State Park. It is the best of both worlds. You can enjoy all the amenities that the State Park offers, yet you are away from the crowds in your own private getaway when you want to be. Conveniently located between two great launch ramps, and boat rentals……..What's not to love?

Owner's Cancellation Policy

  • 50% refund if canceled at least 30 days before arrival date.
  • 100% refund if canceled at least 60 days before arrival date.
  • Service Fee fully refunded on cancellations that qualify for 100% refund.