Just talked to my guide today and she is sending me a new packet. Now we need to decide on 150 or a 200 point contract. We will get the incentive on the whole 200, as opposed to a 50 point add on later. I tried to access the point chart for the 2002/2003 usage but could not download it. I guess I'm not sure how much difference 50 points makes. The total dollar amount is only $104 between the two. What do most people start off with?