I messed up when I bought Poly direct 200 points. I put the points in one contract instead of splitting into two contracts. I have two kids and thought I would pass down contracts to them. I would want both kids to have to have access to any perks. The new contract only be 75-100 points so the kids who gets Poly contract will have to transfer some points each year or however they decide to be fair. Or who knows, maybe as we all get older and no one but be wants to go to Disney, I can sell Poly and keep my 75-100 direct contract. Just will give me options for the future.