borrowing, purchasing the 24 "extra" points, just the whole thing makes me feel like I need to be a mathemetician sometimes. My twin daughters have both been accepted into the College Program so I have the GREAT (and Im not kidding) GREAT job of figuring out the next 3 and possibly 4 trips to Disney on points. 2 (maybe 3) trips this year and saving enough for a 5 day to Disneyland in 2014. I keep going over it and keep coming up with different figures but Im sure I will get it sorted out. I have a new respect for those with multiple contracts at multiple resorts with multiple use years....THATS for sure!