Is that "20%" off at giftcertificates.com a real 20% off or is it some corny "$5 off your first $25"? That is one of the most disorganized websites I've seen.

Where can I get $5,000 of certificates for $4,000?

At a 10% discount, it could be argued that between the delays in redemption and a few certificates that expire, Marriott could be getting some pretty cheap financing through us.