I am in favor of point banking. It will do a lot to reduce the point creep inthe higher demand units, especially if employed for the entire 5 year structure. All the doom and gloom by Jimss is not warranted. Of course everybody has their own specific self -interest, and every rule, and every rule change effects somebody negatively (and others positively). With 22 elk points I don't intend to use point banking. My son has 10 points, and may very well choose a "lesser" unit to retain some points. As I said, the effects are different for everybody. Without changes to the system, point creep will only worsen, and the entire system will likely be changed after it collapses under its own problems.