Looking to take two adults and three kids (7, 5, and 1) to Disney in January of 2014. For 7 day park hopper with Disney dining I've been quoted about 3k for value, 3,400 for Caribbean, or 4k for animal kingdom. This is through an agency that friends have used. Can I do better than this on my own? If so, how much could I reasonably expect to save? Thanks.