I am new to DVC - we purchased at Beach Club Villas on 2/14/2002. I find myself with 100 points which must be used before January 31, 2005. Our 2004 vacations are already planned so we will be unable to use these points. What, then, are my options for these 100 points and what is involved? Does the transaction go through DVC or is it handled privately. I appreciate any suggestions/help from those more experienced than I. Thanks.