NL-NWO 2004 Problem 3

Start with a stack of $100$ cards. Now repeat the following: choose a stack of at least $2$ cards and split them into two smaller piles (at least $1$ card of each). Continue this until there are finally $100$ stacks of $1$ card each. Every time you split a pile into two stacks you get a number of points that is equal to the product of the number of cards in the two new stacks. What is the maximum number of points that you can earn in total?