[Catt]

Thought I'd chime in to point out that one can move from Blue - Silver - Gold only on a quarterly basis. In order to become "Gold" you must accumulate 50K points prior to Dec 31 (15K for "Silver"). If you accumulate 40K points during the period from Oct 1 - Dec 31, you will move up to Silver from Blue, but you will start Jan 1 with a "change levels" balance of 0 (though you will still retain the 40K points in your overall balance so you can purchase beanies to your heart's content or pray for a ponts-for-cash offering). Similarly, if you accumulate 15K points in Oct & Nov, you'll still be playing as a Blue through Dec until you bump up at quarter's end.