We are buying a 150 point add on at BCV (other home is BW) and our guide is away until tomorrow so I'll ask the DVC experts here. We will have Feb use year on this contract, so the plan is to bank Feb 2002 points and combine them with Feb 2003 points for a 7 night stay in a 1 bedroom for March 2003. Am I understanding correctly that I WILL NOT be able to make this reservation at the 11 month window (mid April) because my contract won't close until June and I cannot bank/borrow until then??? I sold my husband on the add-on based on the above plan and I'm really worried now! Any help/suggestions PLEASE...