I just spent an hour on the phone with Disney regarding a PIN code offer I received, and I am really confused -- I have no idea if I have saved money or not I just reserved my package directly with Disney online on Sunday 10/5, and got the PIN postcard in the mail yesterday. I called the number on the card just to find out if the PIN offer was a better deal than what I had booked. Originally I had 4 nights DL Hotel 12/12-12/15, checking out 12/16 5 day PH passes for 2 adults Toontown Morning Madness (didn't care about this, have done it before) pins and lanyards (again, no big deal, we have great lanyards) Vacation protection (we aren't flying, but it covered cancellation due to sickness, etc, and was 119.90 of our total) Total w/taxes and everything -- 1691.98 and I had paid 319.90 deposit. Now I have: 4 nights DL Hotel 12/12-12/15, checking out 12/16 5 day PH passes for 2 adults no extras resort fee of approx $13.50/day including tax (not included in total) Total w/taxes: 1300.40, w/resort fee will be approx 1354.40, paid 240.35 deposit today They were going to charge me $100 cancellation fee (I'm NOT cancelling, I just wanted to know if this is a better deal) and the 119.90 vacation protection insurance. She spoke to a supervisor, and now they are going to charge me a $100 penalty, and refund 219.90 of the original deposit back to my CC, but it will take 1-2 billing cycles. So.... I am totally confused, did I save anything or not??? I THINK I saved 1691.98 - 1354.40 = 337.58 - 100.00 penalty= 237.58? But I lost the vacation protection and the other perks, most of which I didn't care about... Any help understanding this?