We are considering a purchase of a DVC membership (likely a resale). Say we purchased 160pts, and say it is a Dec 12 use year, with the 2012 points not used. Can you both bank and borrow for the same trip? i.e. if you travel in July 2013, can you bank your 2012 points to use, use your 2013 pts, and borrow your 2014 pts?