Here is the deal: I already booked for June 2009 for Viva Italia. I paid the $600 deposit (two people). What if I decide I want to use my DVC points to pay for the trip? I booked through Costco, so does that affect anything? I just figure that since our stocks are nothing now, and I have lots of points I could bank and borrow, can I change the way I was planning on paying? Anyone know how this works?