I am considering buying into DVC through a resale agent and I still have some unanswered questions and I'm tired of dealing with sales people. Please Help Me!!!! 1.) If I don't use my points how do they carry over via "banking" and when, if ever, do I lose them? 2.) How do you exchange points and what is renting (I assumed it's use of the points for that year, but not sure)? 3.) With Disney's right of first refusal what can I expect to be a reasonable price for OKW, Beach Club, Wilderness or Boardwalk? And Finally... 4.) My wife and I are spur of the moment people and have planned our most recent disney vacation about a month and a half in advance. What kind of results do you see when attempting to book any resort roughly 2-3 months prior to your vacation? Thanks!