Hi Folks, This might sound more complicated than it actually is, so please bear with me on this question....... Our points start in April, but we want to travel in September. We are not planning to go on a big vacation in 2008, so thought we could borrow the 2008 points into 2007. We then intend to sell the 2007 points and use the 2008 points for this year's vacation. Follow so far? Now, it might get a little confusing here....how much of this can we do before April? Do we have to wait until we are in the 2007 use year before we can borrow the next year's points? I am assuming that we could ordinarily bookinside of the 11 months and the points for that use-year would be debited (i.e we could book before April and the points used would come from 2007-2008 use year). Starting to confuse myself now ! What would be great is to sell 2007 points as soon as possible and then book the September vacation straight away, using the money to pay for the flights. Sorry folks, I am starting to talk nonsense.....but hopefully someone gets my meaning and maybe has an answer. Many thanks in advance. A rather now confused, Russ.