Okay. We joined DVC during our trip in May. By the time we got home and received the papers, we decided to increase it a little more. So we have 175 points with a December use year at BCV. I believe the deed with be filed within the next week. Anyway, I'm confused about the points??? We used Magical beginnings and sold back our December 2002 points. In December of this year, 2003, the points we get will be for the period of December 2003- November 2004???? Is this right? Any points that do not intend to use need to be banked by May 2004? It all made sense and for some reason now I'm questioning my figuring. THANKS IN ADVANCE FOR WHAT IS PROBABLY A VERY BASIC QUESTION!!! HAVE A HAPPY 4th!!!!!