hi, everyone. I am a new member (5/12) and am still trying to learn how things work. I had a vacation booked for January 2013 in which I used the remainder of my 2012 pts and borrowed some from 2013 to complete (I have a March use year). I somehow just learned after cancelling 2 nights that the points were returned to my 2012 year, and it's too late to bank these points (it says I can bank 0%). Now, since March is my use year, do I have to book a vacation with these points by March for them to not go to waste, or do I have to COMPLETE A VACATION with these points by March? I really hope this makes sense. I thought it would be too confusing to discuss over the phone. Please help! I'm hoping I don't have to travel a second time by March!