I have attempted to make reservations for our December WDW trip twice tonight and have yet to be successful! On my first attempt, I could barely understand the CM trying to help me, and then she quoted me a price that was supposed to include a discount pin, but the price was higher than the online price (without pins or discounts) and was also higher than I had been previously quoted about a week ago. So I hung up and called back! On the second go around I got a very nice guy to help me and I was oh so close to booking when my cordless phone went dead! I did however get a few items to ponder on, so I want to make those decisions before I call back... We are looking at December 7-12, which apprently could very well be Pop Warner week. I've never heard of PW, so I don't know what to expect, but does anyone know if they use one resort or are spread out amongst several resorts? We are looking at Pop Century or Coronado Springs. My pin only saves about $50 for Pop Century, and about $200 for Coronado Springs. We did a Moderate resort in July 2006 (POR) and really liked it, but we promised (well, I promised DH!) that this trip would be as low cost as possible. If only that nice second CM hadn't put the moderate idea in my head... However, I was thinking that if it was possible to avoid more of the PW crowd, I might be able to justify the extra money. Also, what about trip insurance? Does anyone deny it? He said it's $66.95 a person. I don't think we took it last time but I honestly can't remember.