We started the paperwork for points at WLV today (YEAH!). Anyway, with our October use year we will have an abundance of points come Oct. We are planning to visit in December and I'm wondering, if we bank all of our points for this year now for use during our december trip and then decide that we want to take a weekend trip to VT (before Oct), can we borrow points from next year's allocation to do that? Or can you not borrow if you have points banked. Thanks for any assistance. This board really helped us take the plunge.