The closing documents for my add on are being mailed back today. When I check the member web site it shows the points are there, but are not available for use. I just assumed they were waiting for the documents to be returned. It is funny that they do things differently. All my accounts are either paid for or have the MF current. No big deal I don't need them now just think it is odd that they are available immediately for the pp (toniosmom).