Well, with banking and borrowing, you could have 150 points at BWV every 3 years or 100 points every other year. Withat, you could use the 11 month window for those vacatoins. In other words, you mucst have 100% of your points for a stay at the chosen resort be for that in order to use teh 11 mo. window. WIth banking and borrowing, though, those 50 points could periodically give you that.