Stinasmom ~
You might want to double check on your stateroom credit for your 2006 cruise. Just checked Disney Visa website here's what it said:
Offer valid for most sailings through 12/30/05.
As I understand it, that means you need be on a valid cruise during 2005, not just book it during 2005.
It also says for new bookings only, but we booked our cruise in 2004 and when Disney Visa came out with the $50 stateroom credit for 2005 cruises, out TA just had it applied . We just have to be sure to use our Disney Visa to pay the balance next month.