I may end up with 150 points that will expire in March 2010 that I cannot use between now and then. They are banked points, so banking isn't an option. If I wanted to travel after March 2010 (say April or summer of 2010), what options do I have? Can I use them to book a cruise, book a stay in a non-DVC resort such as the Poly or GF, deposit them into RCI, use them with the concierge collection? I know all of those things are an option, but what I don't know is if I would have to travel by the end of March. Thanks for your thoughts!