As if the banking and borrowing doesn't have my head spinning, I'm trying to figure out the best ticket scenarios for our next three trips. We're going next month and will use 3 park days, 1 Water Park admission and 1 PI admission (this is per person). We're also going in October and will need 6-7 park days, depending on what flights we end up taking. Then, we're going August 2005 to finish up banked 2004 points and will need about 4-5 days (again depending on our flights). We love the water parks and would pay admission to PI if it were a better deal. Here's a question: would it be best to get an annual pass and use it for Oct and Aug - assuming an AP is good for one 365 day cycle? Then buy the shortest PHP for our May trip? I know some of you geniuses can help with this. Thanks in advance!