Thank you so much Diplomatico!! This makes me breathe easier. I think Citi's exchange is not the best. I will wait and exchange at the airport. Seriously I can't thank Flyertalkers enough for all the info. After I think close to two years of being on this forum, I'm taking my family of four on a trip to Asia staying for a little less than a month traveling in J roundtrip, all hotels paid for (with the exception of Amansara) with points. Seriously, this community and its ability to share info and just be honest and open have been more than I can truly ever thank everyone for.