Lets say I bank points for this use year Dec 2008-Dec 2009(160). Then next year I have 160 also available (2010). Lets say I want to plan many trips to Disney in 2010 (using banked points and the current year's) or else have a huuge family gathering and book several rooms for family/friends. Would it be possible then to also borrow points from use year 2011 to use in 2010. Therefore using banked, current, and borrowed points for a ressie. That would be a total of 480.....maybe then I could have that grand viila for a week (joking). But is this an auctuality? In reality, we have incentive points that we are using for our trips for 2009, so we will probabaly be banking this year's points to use later on...... If this is stupid, then I am new.