Here's my situation. I have 400 pts to use by end of Nov 09. So the wife and I decided that a disney cruise might be the thing to do. A four night cruise in a Cat 5 room is 392pts and 408pts in a Cat 4 room. How do I go about paying for the extra 8 pts I need? There are only 4 of us (Me, wife, 6 yr old DD and 5 yr old DS). I can't think there's a big difference between a 4 and 5. What do you think?