For anyone interested... just so I would have a comparison, I priced a 4 night Carnival cruise for my family of 4 ($1880 in an oceanview cabine) and then called HGVC to see how many points the same cruise would take (13,271 points plus $510.80). That would include almost 3 years worth of points (we have 4800 a year to work with). I am thinking a week at a nice resort would actually cost between $1500 and $2000 (approximate). I know our favorite beachside condo at St. George Island is $1730 for a week during the high season. A cruise can be had for about that same amount, dollarwise. So in my opinion, HGVC is charging almost triple the points for a cruise that it would cost for a week at a very nice resort. Hardly a good deal in my opinion. I know others use their points for cruises repeatedly; they must have a ton more points to work with than we do. Still the exchange rate just doesn't seem equitable to me.