Let's say that I have an Oct. UY. I have a combination of banked 2011 points and 2012 points. They must be used by Oct. 1 of 2013 or I lose them. I understand that part. We're thinking of doing F&W with friends next year and would need quite a few points to book what we want. I want to book a stay that spans Sept. into Oct. 2013. Can I also use the points from 2013 and borrow from 2014 to book a longer stay (the part that extends into Oct.)? If I can do this, would I be able to do this at the 11 month window (late Oct. 2012) for the whole stay? Would it involve two separate reservations due the fact that it goes across my UY? If so, would Member Services be able to combine them into a single reservation so that we wouldn't have to check out and check back in? I hope that I'm wording this correctly so that I'm making my questions clear. Any help would be appreciated.