Not sure if I can make this clear or not but will do best I can. Just bought into DVC, SSR Feb use year. I will not be useing my 2004 points for vacation this year, but will be useing them for cruise/disney stay in june of 2005. (yes have read about renting and useing cash, but i'm not looking to get into that anytime soon). With that I would be makeing ressys for the 05 trip (11 month window) 1st part of July of 04, banking deadline july 31st 04, So should I wait and bank em use em during that call for ressys or should i go ahead and bank them now? Leaning towards waiting till I book but wanted imput from you guys that know so much.