Please help........... We have ressies for Febraury and additional family members may go. We want to make a ressie for another studio, but will have to borrow points from our 2003 allotment to do it. If they cancel within our allotted time frame, what I understand is that the borrowed points cannot be returned to the use year they were taken from, but could we "bank" some of our points from the present use year into next? We would still be within our 100% banking deadline, so that would not be an issue. I am not exactly sure what we can do! Any info would be appreciated!!