Well, we have now officially borrowed every single point from our October 2002 use year. We were looking into different ways to arrange our trip and I emailed my wife some options (we are going for 2 weeks with a 3-day cash cruise in the middle and we planned on going to a different resort for each half). She looked over the options I listed, didn't like any of them so she did some mixing and matching and sent back her option to me. I added up the points and realized that it exactly matched the number of points we had available (16 from this year, 210 from next year, for a total of 226). We just made the final reservation today and now we officially have 0 points available. (Well, I guess we don't need to worry about the banking deadline ) Anyone else ever used every single point?