Thanks BR. in the past I have used my Wyndham points on Wyndham but over the years, as we have desired other locations, we have found RCI to be quite enjoyable. That, plus, pooling my points into Wyndham, and transferring my excess into RCI has resulted in RCI points that yielded RCI vacations. Other than the fees, RCI is nice in that it gives us many more vacation options. That's probably why I want to learn more about II. Maybe when we're older we'll gravitate to just a few resorts but for now, we love the variety.