Thanks for the welcome everyone. Just an FYI, first name Linda (for the LNEELEY), Anyway, I am so excited to join this board. I am a huge Disney fan, I wish the cruise was tomorrow! (Well, maybe not tomorrow since I haven't lost the weight I want and am not packed. Anyway, I am jumping for joy today (just like Tigger), I had to wait till 11 months out to try to use my DVC points for the cruise (at least for 2 people out of the 13). Anyway, called right at 9 a.m. EST, and I was able to convert my DH and myself to points and save $4,726.70! I was hoping I would be able to do that since I was paying for the whole thing. My DH doesn't even know how much this cruise is costing, I just booked the whole thing. (I think he thinks we are using points for the whole thing, which I wish was true). Anyway, when I have time one day, I'll have to tell all of you how I gave the gift to all the kids. I work full time for a non-profit and I am getting ready for a 10 day audit by our outside accountants, so I don't know how often I'll be able to check the boards, but I'll try to check back as often as possible. I think it was Gail who mentioned about Palo's. I'll check with our grown kids (late 20"s early 30's) It is my DH birthday today (54) and I am 44. Anyway talk to you all soon!