How are you people saying that is to much for 200k points. I understand that if you had 200k points and redeemed them all through Zab you wouldn't get the $500 back. But how else would you purchase 200k points, if you go through the site you'd pay far more then $500. If you plan to purchase this many points you can't look at it from a redeem perspective, look at it in terms of if you were wanting to buy this from someone else.
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