RCI has a cruise section where you can exchange 20,000 or 40,000 RCI points towards a discount on a cruise. It looks like the discount amounts to $200-300 for your typical balcony room. More for a suite, and less for inside and OV. I am still deciding if that is worth it because if I play my cards right, those same points can cover a significant portion of an exchange into DVC property. When you do that, it makes the points much more valuable.