In light of the recession, consumers today are smarter than ever when it comes to saving money, yet most are still woefully confused and overwhelmed by their loyalty programs, especially how to leverage their various pools of points and miles to save even more. Only 18 percent* of airline loyalty program members were able to correctly identify the value of their awards. Considering the average American household is a member of 18 loyalty programs, but only active in 8 (Colloquy, 2011), getting just 10 percent more people to understand....