Sorry about the slow reply! You guys have given some excellent suggestions and an improoved poiint of view. I really like the idea of having the whole thing paid for by the time we go. Heck, the way things are going right now, I might be able to buy a couple of park hoppers with my rewards dollars from the Disney Visa (I really need to start charging less though). We usually stay in value resorts because we don't spend much time in the room but maybe on this next trip we can stay in a moderate......or better yet, maybe we can stay longer!!!!!!! Anyway, you can bet I'll be Dis-ing for the next 2.5 years!