Don: I am so bad at FF pts, period, but do know the basics you can transfer 20 thou SW and get 25 or 40 thou and get 50 thou - Marcie sent me some notice if you want to transfer more you cannot exceed certain amt so have to transfer in increments - so I have been trying to use the SW card all the time - seems when I did it for Fjords it only took a few days for points to hit Delta - Joanna