Hi all, I have researched a lot and I just want clarification if I am understanding this right. We are finishing our purchase based on incentives from our recent cruise. They are giving us points backdated to Oct 2011 and our next set Oct 2012. So I am assuming that mean our UY is ends in Oct. As I look into it looks like the "bonus" points they are giving are useless for us unless we use them by October 2012 (this fall) as by the time everything closes it will be too late to bank them. Am I right in my thinking? I calculate we would have to bank them by end of May? Just wanting to know if this is a date I should ask to be changed before all is final. Second question, is it really better to just go resale?