We're changing our ressie from September to October. We'll also need 7 nights instead of 4 (was doing 3 nights free dining in September). So we'll need more points, we will either borrow from 2008 or try to get a transfer (already posted a points transfer wanted on the rent/trade board). I haven't been able to check availability since computers are down, and now I'm on a call for work so still can't call to check. 2 sets of questions: If I borrow the points I need, but am able to get a transfer --> Would I then be able to bank the transferred points? If so, what are the banking windows for the borrowed points -- I assume they follow the original use year of the transferred points, but using what total for percentage? We have 200 points total. So if I transferred 100 points, say, with a December use year, how much would I be able to transfer by August? 50% of what? and in September? 25 % of what? If I get a ressie for OKW or SSR, waitlist for VWL and miraculously get VWL, will they automatically borrow from my 2008 points to cover the additional points for the VWL ressie? Thanks!