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Are you kidding us jayjay?... REALLY? Ok.... let's understand Simple.. A Dollar is a dollar is a dollar is a dollar across USA (and even around the world). Even those of us who do NOT carry "Greenbacks" know what a Dollar looks like and it's VALUE... agree?? Complicated: Anything that requires "evaluation, depositing, carryover, trade, points, decision, exchange, etc, etc, decision,etc" ..... POINTS: How many people Fully Understand the concepts of "Extra Points", "Carryover Points", "Bought Points".... and AGREE 100% on their Value? Then, there are II points, RCI, Redweek points, Airmiles and GreenStamps.. MY head hurts! Lets not confuse "Convenience" with Simple.... We have to PAY EXTRA for Anything that is classified as 'Convenient'... that IS a Simple Fact. Surely, with "Experience" we gain confidence and most proceedures become easier. jayjay has had lots of experiences, and I suspect he learned something from each case.