LOL-have to tell you my experience. I had told DH that I wanted 50-75 points at BCV. But when we found out MB was a minimum of 100 points, I did mention that we have a 25 point add-on at VWL that we could sell if we felt we now had "too many points" (and to think that at the time, I thought that "too many points" was a real possibility!) Well, within a few weeks, I had all kinds of plans for the next few years, assuming that we would have the full amount (that's 150+25+100). Last night, discussing next year, DH remembered (rats!) "I thought you said you were possibly going to sell those 25 points." Oh, no-now I'm sure we have the right amount and couldn't get by with fewer! How can I get DH to forget that thought?