I'm a little confused...When we purchase, probably for the first week in May how does it work with points at the time you buy? For example, say we buy in the Jan. or Feb. of 2014 and we want go in May of 2014. We are only buying 160 points each year and we need 317 to go so could we go that same year with the points we just bought and then borrow 2015's points so we have enough? And what happens if we don't use our points? Do they let you bank points or just borrow?