Thanks Aurora, that’s what I had figured....but thought I’d ask because it wasn’t addressed anywhere on their FAQs. I'm trying to figure a way to make this work and was wondering if people ever secure larger contracts knowing they will only use a portion of the points, and then just rent the remainder? And if you have, how has that worked out? I have enough family and friends that are Disney geeks like myself to rent my points to without going to a broker for point rental, so that's a bonus. Even if I rented out half of the points, its a pretty good portion of the contract that's being paid for by someone else (sans monthly dues of course). Having 325 points each year after its paid off (again, sans monthly dues) seems like a good place to be, especially if a portion of those have been paid for by other people.My logic may be way off, if anyone has experience with this id appreciate the input.