Just to clarify, when I said "I don't think this is really helpful" I was commenting on the value of my own post. At the end of our only HAL cruise we had 11 "spending points" with the formula of 1 point for every $300.00 spent, that would suggest $3,300.00 of on board spending. We didn't come close to that. We are however happy to take the points if they want to give them to us. As I said there was quite a good explanation on another thread, which helped explain the theory of how the spending could be calculated.