Mia, thanks for the ideas so far. No, I use the Amex Delta Skymiles card now. But I guess I am wondering if I transfer the amount (26K) for $260 from my wife's account into my daughters' account should I be able to use the addtional 15K from my account without extra charge to total up to 75K? (34-daughter's, 26-wife's 15-mine)