Ok after figuring all math on it and all. Step one making three new accounts to do the transferring all costs will be $525 now if i just did two accounts new it would cost me $340 hmmm big diff almost 200 dollars saved. This works because of instead of having to transfer to three accounts i only need to transfer to two accounts. Plus with the rest of raf i can build up another account or two for my wife to play maybe dual box at a later time. So in turn i could pay the extra 60 to get her all the way to mop. Ill wait on the mop tho and cata incase she doesnt really like it or just wants one account.