Welcome aboard Sizzler!
In the footer of every page on the site there are five columns of links. In the left most column, about halfway down the list is a link to "permissions". If you follow that link, you will see a page that shows the various levels. The two highest levels have poins & time requirements.
And by the way, yes, insert sets need to be complete to have a gallery. The issue you noticed is with Panini INSTANT and Topps Now type sets where the checklist gets added to each week. For example, after a month of offerings, the checklist would have four cards included. If all four cards have images loaded, then the set gets a gallery. The next week, another card gets added to the checklist, so with five cards in the set and four images it no longer has a gallery. Then someone uploads that fifth image and it shows up as a new gallery again. Then a sixth card gets added to the checklist and so on and so on until it is complete. Its only an issue with these new sets that get created week by week.
-Tom
Ted Musgrave card collection 98.9% Complete: Cards Known: 1013, Cards Owned: 1002
I prefer the company of people who disagree with me for the right reasons over the company of those who agree with me for the wrong reasons.