It's a DVC booking so not really refundable but we will make a decision on whether to cancel or not early enough to bank and/or transfer the points. The only other thing is the air fare and we'll wait for more certainty before even making those bookings. It's pretty much the same thin we went through with our previously booked 1-16 Dec 2020 trip. We decided that was going to be a "no go" around end-Aug and were able to bank the 2020 points. I had 14 2019 points that I was just going to let burn but someone in our Facebook group asked if they could rent a night from us. I booked a Studio for them at AKL for 12 points and then told them it was free, enjoy!