I don't know why, but when it comes to figuring out which BCV incentive makes more economic sense, my mind kind of clouds over. Hoping someone will take pity on me and do my thinking for me! : we plan to buy 250 points, with a december use year. Our next post-purchase trip will be in January 2003. So does it make more sense to take the $5 off- even I can figure that it's $1250, right, and use points for that trip? (6 or 7 nites studio, BCV) Or take 7 days free nights, stay if possible at the Beach Club, which usually costs us around $300 per nite, and bank the points we would have used? I guess what's confusing me is that without the free nites, we wouldnt have been staying at the Beach Club at that rate----Can anyone please untangle this? Thanks so much, newbie wannabee, Judy