Hi...sorry for all these questions? If I bank all my 2006 points...which I will have to do my May (If I dont rent or transfer)...They will then become 2007 points ...right? My use year is December do I don't get my 2007 points till december. So does thst mean Iam "pointless" between May and December? If I decided to take a vacation in this time frame could I "borrow" from my now banked points or will I have to wait till December?