Before I call Disney and sound really out there, am I understanding this correctly? With Magical Beginnings I can purchase BCV at $10 below current price of $84, which should be $74 per point. The catch is I would "resale" my points to Disney and not have any points this year? Do I have to pay closing cost or other fees to Disney after the $74/point and losing my first year of points? Or am I totally off base here?