I got this play around 8:00 P.M. Eastern on Friday evening and as I put it up online, I see the price is 7 1/2 in Vegas and just about everywhere offshore except that one notorious book where they always overcharge you for playing favorites. Needless to say, if your price is 7 1/2, the wise move is to buy down the 1/2 point as the insurance often pays. But, if this price moves up to -8, or if that is the price you get even after shopping around, there is no need with that number to purchase the 1/2 point as the hook in that case is meaningless.