I also pay the Universal AP renewal all at once,$109 for the year isn't that much and although I'm not 100% sure,I've heard that to do the Flex pay at Universal it needs to be with the regular full AP price,someone correct me if I'm wrong but that's what I thought I've heard.I also have the Busch Platinum AP and with that pass I do use their EZ PAY program,which I pay $12 a month (2002 prices) for every both Busch parks,the 3 Sea World parks and the waterparks in Tampa and Williamsburg as well as Sesame Place.When Aquatica opened I could have chose to add Aquatica to these parks but then I would be paying current EZ pay prices of almost $18 a month,I felt like I'm getting a deal by keeping it at $12 so I kept it there.