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Oh, I forgot one thing. I dont think anyone has mentioned that points can be transferred to any other owner. Will this ultimately lead to point sales between owners for unused points in any given year? If so, I am looking for 100 points to get enough to get my 4th childs honeymoon at St. Kitts. for this coming September. I've got my Interval exchange request in, but I am trying to trade up from Bronze to Silver, so I want to be prepared if the trades really dry up like they are supposed to.....