I would just use AMTRAK to take out 10K of your son's account and do what you can with your 40K. I have about 34K in CO and will just leave it there in case it's the only airline that has availability in an emergency. I took out all of my daughter's through AMTRAK, and somehow got those to my Diner's Club card. My husband's were transferred to Hilton, but as I said I left my 34K alone.(for now). At least 40K is enough to get a ticket.
------------------
Ms.DtG