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It is definitely the points system. We asked how they can avoid overselling KBC, and they said it's illegal to do so. However, anyone in the Hawaii collection can book at KBC. So if all the owners at all the properties other than KBC decide that this is their year to go to Maui, all of us who bought there get screwed. This is NOT what I bought - we bought here from Embassy Suites because they only owned three properties, and getting into our home resort in Maui was never an issue. When we are there, we like to BBQ - almost no one at the BBQs ever says they own there. They trade in...hmmmm...