I tried reading the FAQ on points.com & this doesn't make sense. Looks to me that the trade fee is split. For example, looking at the Hawaiian Airlines website, transferring into/out of Hawaiian Airlines does not cost anything. Looking at the IHG website, the fee is $5/1,000 transferred. Well, if I were to post on points.com and trading 20K IHG for 5K HA I have to pay $50. Then the other person has to pay $50. Correct?