I want to be sure I understand these two things... For arguments sake, let's say I have a contract with a November UY: The way I understand banking is that I could essentially "roll over" current year points to the next year provided I do it 4 months before my UY (nov 1 or nov 30?) Now, how does borrowing work? When can I borrow from the next year? And by banking and borrowing does this mean I can essentially combine points from 3 years to take a really big trip? Thanks!