I would like to start a thread full of valuable tools to help out our teachers. I remember in school thinking, "when am I ever going to need this info again?" Well, let's give our DIS teachers plenty of answers to these questions. For instance: Student: Why do I need to learn foreign languages? Teacher: Because, one day you will be a Disney fanatic and a member if the DIS board. You will need to know Spanish so you can read the new Spanish board and know what they are talking about. You will also need to know what treacle and Yorkshire pudding is along with other words such as rubbish, and pants. Student: Why do I need to know the time value of money? Teacher: To determine if the money invested in the DVC would provide a better return if invested elsewhere, thus bringing up the importance of opportunity costs. Yes, you can have a higher return in the future with other investments, but you will be happier investing in the DVC. Thus giving up a few dollars for happiness. Economists, if I have not used these terms in the correct way, then blame my teachers for not telling me just how important it was for me to learn these things! Now, keep it going....our teachers need you!