I went back to reading old posts on use years/borrowing points and my mind was swirling. (It didn't take much. ) We have a December use year. If I want to make reservations for next May, am I able to call now and book or will it be borrowing points because I won't receive 2005 points until Jan 1.? We do not have any 2004 points available due to use and current reservations. Are the 12 month windows tied to the month you receive your points? Thanks in advance for setting me straight.