I have been reading on these boards about the Disney Insider rate and the special state rates at the Moderate hotels. They are offering $109 to $99 per night during the PEAK rate ($174/night) season. Is Disney having problems getting people to visit after the big millenium celebration? If so, do you think that they will be offering similar discounts during the summer months? I have been holding off making summer reservations thinking that they might offer a better rate. What do you think? Discounted rates for the moderates in the summer too?