I can't remember if I have seen this yet or not, but I am pretty sure we are finally ready to join but since we already have our vacation for 2004 paid for, we will be banking the 2004 points. This gives us enough to go significantly towards a cruise. Does anyone know the point value per adult, child age 8, and child age 4 for a cruise in 2005 during the Value Season. It would probably be Cat 10. Also, if you do not have enough points to cover everyone, can you pay cash for the remaining person (in this case, one of my children)? Thanks as always to such a wonderful group!