We are new owners! I've studied many of your posts... thank you! I'm still confused and need your advice! Our UY is Sept. and we received our points from '06. We want to use them in Oct07. 1. If I use the 06 points... and then because of some sad event... have to cancel... I would either need to change my trip to prior to Aug. 31, 2007 or loose all the points... since they are booked for a date out of this '06 UY... right? 2. If I bank my 06 points... make the reservation... then have to cancel... I would have until Aug. 31, 2008 to still use the points... because they became 07 UY... right? 3. If I banked them, wouldn't they use these? I wouldn't have to borrow from 07 points would I? 4. Maybe all these are stupid questions.... because they would make me bank them prior to my making my reservation for Oct any way... is that right? I can see why UY is important just in terms of flexiblity in cancellations. This stuff is very confusing to me... thank you for you help!