On the other hand, if you have millions of points, the large balance is a negotiating tool because the reimbursement really is peanuts right now. A Hampton will be under $20 a night, a DT/Hilton something like $30-45. I forget the figures but they’re even lower than a Team Member rate.

At this time, worldwide, you’d be able to write the names of all the hotels getting that 90+% threshold on your fingers and toes...