Thanks to all for educating me in areas where I have been uninformed.

I betterunderstand the options and comparisons. I guess I just get frustrated after staying in a hotel for 25 nights straight, earn between 60,000 to 75,000 points for a stay...and then find out I can not use them when I need them or have to burn them a 50% rate. One just feels a bit bitter.

But now, at least, I can understnd their perspective and not take it personal.

thanks all agin