My husband and I are almost ready to purchase a resale DVC. We are leaning toward OKW because we like the atmosphere and maintenance costs. Why is the maintenance costs so much lower than all other vacation resorts? Is it because it is the oldest? Is their any chance that the maintenance will ever go up? Are there any state taxes or other assessments? Will the weekly point rate ever increase on your home? What about points on other DVC locations, will they increase? In other words, say we buy in at OKW, and currently it would costs 104 points to use at the BWV for a week in value season. Will that rate increase in the coming years since it would not be my home? When are the maintenance fees due? What restrictions apply when you bank or borrow points? Where is a sample of a contract so we can better understand the policies, the do's and don'ts!! Disney has first right of refusal on all DVC sales. What is their maximum amount paid per point when purchasing back a DVC. We are planning a trip in 2002 (Nov 22 to Dec 3). We are travelling with our twins age 3.11. If you have any suggestions or recommendations, please advise.