Thanks for the idea, Diane. Unfortunately, our schools don't have a mid year break. We used to go when during lower point times, but now it seems to be getting harder to take the kids out of school plus there are more sports now to work around. I'm almost embarrassed to say this, but we only have 100 points due to having to sell a couple contracts a couple years ago. At the time, we thought we could get by with banking and borrowing until we could add on more points again. My dh is not budging and does not want to add on points. With the current promotion, I thought he might change his mind. He is satisfied with going every other year or so, then paying cash the other years. Doesn't make sense to me. For example, last year we paid cash for the Polynesian. Looking back, we should have put that money towards DVC. We just booked SSR using this year's and all but 29 of next year's points. To get enough points for another trip, we will have to wait until our 2006 use year (Oct.). So my opinion is either have enough points or none at all. No point in paying dues and still paying cash for rooms. Even if we did a small add on, we still wouldn't have enough points for a yearly trip in the summer or spring break with the size of our family. It would take at least another 120 points. Yesterday was the first time I've ever considered selling the rest of our points because I wanted to. Sorry this is so long and sort of OT.