Hi...Thanks for your feedback, this really doesn't become an issue for a few years due to our daughter being under 3 and and by then we'll probably look at banking the points and taking a
DVC Vacation every two years and either buy points off of a member for stays in between or an AP discount at a resort...the deposit is down and we are close to becoming members, will be vacationing at Saratoga Springs for 5 nights starting on Nov. 16th and that's when we'll (hopefully) sign all of the docs after our tour to complete our purchase

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Kathy & Kyle
Kristian, Kyle, Kaylen