Wow! Lisa DeRosa is the best!!! Not only did she bend over backwards for us before our first sale with her (over 10 phone calls back and forth, reworking the numbers).... she continues to go out of her way to help us! She is on vacation this week but checked her voicemail and got my frantic message! She called me from her own phone and then call Member Services to help us use our dec 2002 BCV points at HH this fall! Her extra effort has been amazing! I am soooo glad we switched guides! Just had to Toot Toot Lisa's horn!!! AND A BIG Thanks to everyone here who helped with my questions!!! You disney nuts are the best!!