I was just wondering what people's current point status is, regarding whether they had a large amont of banked points, are using points within thier current use year, or have/in the process of borrowing ahead. My guess is that many people borrow ahead, but I could be wrong. It would be interesting to consider this impact on a new resort. Do most new members borrow ahead for thier first trip reducing the initial resort avaialbility? Just a thought.