Usually I don't have to borrow many points, but today I made a reservation for October and the agent I had got me so confused; so please someone straighten this out for me. I have an October use year. I booked a trip for October 2010 and I had to borrow a few points from 2011 because of multiple trips this year. Now my understanding is that those points are now use year 2010 points and if I cancel they stay in that year/2010 and have to be used before Sept. 30, 2011 or I lose them. She got me so confused, as she said no, that was not right, that if I cancel I lose them completely.