Thank you ahcjar103! How long are you staying on Bali? I have not booked through the UR or Amex portal yet - just been accumulating points. I need to start learning more about what to do with the points besides transferring Amex to BA when there is a bonus. :-) Still so much to learn even though I have been reading as much as possible off and on for years now. I appreciate your advice and the run-down on my options.