Greetings carlh7300 and welcome to Marriott Rewards Insiders! As you have already discovered, this forum is a perfect place to pose questions, and our veteran members are always willing to step in and help. This is also a great place for members to share their travel stories, insights, ideas, and photos.
Here is the Getting Started Guide, which contains lots of great information, tips and advise for you to check out as you get familiar with the forum.
In addition, always feel free to reach out to myself, joshm KatieC orcommunitymanager with any questions or concerns you have regarding Marriott Rewards or the page. We make up the community management team for the forum and are always happy to help as well.
Thanks for posting, and thanks brightlybob for your (as always) helpful answer!