Thanks Magnolia, very informative. We are very excited about ncl's rewards and will check into splitting the limits.
It's funny you'd mention carnival's program. I just recieved one of thier currents magazines today with a brief description of thier "rewards" program. For a very brief moment I thought about checking into that one as well. But after reading your comments about carnivals various restrictions...problems...with thier rewards system...I was quickly reminded of my last cruise with carnival...NOT!