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Dennis-- Thank you so much for taking the time to explain all of this. Did you actually purchase trust Destination Points or are you talking about the Destination Points you get if you deposit your weeks with MCVI? The minimum they would sell us was 1250, so that amounted to about $13,000--way out of a retired person's budget! I will pull up the Form you mentioned--but I have a feeling your explanation is far better than Marriott's! I have really always respected your fully vetted, insightful and thoughtful contributions to Red Week. Thank you so much!