Summer,
Here's a thought for you too. This is something you may want to think about, even if you do get the credit situation straightened around.
What are you going to DC for? Is it for the overall experience, or is it mainly for the dolphin swim?
The reason I ask is because I am a dolphin nut. The e-ring my fiance got me has a setting of two dolphins sort of overlapping each other, with the diamond set in between them. And he proposed to me at the aquarium here, arranged for a private training session with the dolphins and trainers at the aquarium. He said that whatever we did on our honeymoon, he wanted to take me to do a dolphin swim.
So, we were going to do Discovery Cove as well. The thing is, I kept looking at it, and just couldn't justify the price to myself. We did the Magic Your Way premium package at Disney. So here we are, paying all this money to eat and do all these activities on Disney property, and then we are going to go and spend that much money to WASTE one of those days so we can spend it somewhere else? And part of the price you're paying for the DC tickets is to spend all day in the rest of the park, not just with the dolphins, plus for a 7-day pass to Sea World, which we would never have used. Oh, I know they advertise it as the pass to Sea World being thrown in for free, but you know it's figured into the price.
Plus, when you look at it, the actual time in the water with the dolphins is only 30 minutes. And it isn't one-on-one time for 30 minutes, it says "small groups". So, it's whatever their definition of a small group is. So, for that $280 + a person, you are getting some fraction of 30 minutes of time with the dolphins. And losing out on money I already spent on Disney. For me, at least, that seems awfully expensive, since the dolphin swim is really the only thing I cared about. We'd probably do other things, since, after paying that much, we'd feel like we should, but as I said, we're also already paying for time at Disney, so it would start adding up to be a real waste of money.
I kept telling my fiance I didn't think it was going to be worth it to do a dolphin swim at all, then I found a good alternative. Did you know you can do one in Disney? You don't do all the other things - swimming with rays, sharks, etc. But if the dolphin swim is what you care about, you get much more dolphin time at a much lower price.
It's the Dolphins in Depth tour at the Living Seas pavilion in Epcot. It costs $150 per person, and the tour lasts for 3 hours. From the sounds of it, when I did some searching around on the net about it, almost all the time is spent with the dolphins. Again, you will be with a group, and it's unpredictable what size the group will be, but since the time you spend is much longer, you will likely get more time with the dolphins (assuming of course the dolphins are cooperating!
)
Also, one of the Disney guide books - I think it's the Birnbaum's book - has a 20% off coupon for that tour in it. The coupon more than pays for the price of the book if you do the tour.
Obviously, if you want the whole experience, then this doesn't help you. But I know for me, I saw this as a great way to cut my costs in half on this part of the trip, and get more of exactly the part I wanted. Oh, and unlike DC, the Disney Dolphins in Depth includes a picture with a dolphin and a t-shirt.
Anyway, just something for you to consider.
It'll all work out, like you said.
Just a thought - or a wedding present from your boss! Anyway, seriously, the postal strike is supposed to end next Wednesday - so hopefully your cards will be here in plenty of time! 
I know, I'm upset about it but after reading what some have said and giving it much thought, I decided the money would be better spent elsewhere. I have booked The Grand Floridian Private Dinner and we are having the Chef's Menu at V & A for the 3 of us on our wedding night, these things alone will likely set us back about $700, so really I would rather have these things guilt free instead of Discovery Cove. 
and it's surprising where help comes from in times of need, sometimes the place or person you least expected!
this is going to be one amazing TR!!! 
Australia is very similar and I know I will be completely happy there. Insolvency Law? I'll be sure to come to you if I ever have any questions about this topic
