I want to make sure I understand a few things correctly. I needed to borrow some of my 08 points(uyaug) for a trip in May. Those borrowed points I would have to use before aug 07...right? I could bank any of my 07 points that are left if I needed to correct an error in a ressie. 2nd if I make a reservation now for Dec using my remainder 08 points and find out I can't go and I need to cancel my ressie, how late can i wait to cancel and will I lose those 08 points? I think the answer is yes i can and that i won't lose points tho they may hold them for awhile..have I got that right?