emergency to me, that is. It is a good use of membership rewards point to transfer into starwood for hotel payment? ratio is 3 to 1. 120 ax points gets me 4 night w/ 1 free @ a hotel in hawaii, the value for 5 nights is about $ 1725.00 for 5 nights without room and local tax. Are the ax points better used for let's say a 1st class ticket to asia or whatever. Thanks, I have not had much time to poke around but the board looks great. Happy Holiday's to all! Kurt