2) You have paid a $300 nonrefundable, 12-month membership fee to Island Fitness. After working out at Island Fitness for one month, you decide that if you'd known that working out was so unpleasant, the most you'd have been willing to pay for a year's membership would have been $100. TFU and explain: You should stop working out because the benefit to you of working out is quite a bit less than the cost of joining Island Fitness