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I would say that the individual parks are roughly equivalent in size but Universal has 2 parks while Disney has 4. Combined with the expansive hotels and resorts, I would say Disney is at least twice as big. But you are correct that the insurance, maintenance and everyday cost to run is...

There was just a big article about this in the Washington Post a few days ago. It has gotten crazy expensive but the price isn't even the problem. Even if it seems worth it at face value, it is almost impossible to get the real value because of the crowds. There are just too many people vying...