Still investigating purchasing DVC. I understand you can bank points for following year. Let's say I have Jan. use year. So I bank my points. I decide to visit the following year in May. I make my reservations at the 11 month mark, can I borrow points from the next year?? I am confused about when that 3rd year of points become available. Can help me understand this? Thanks!! I only see doing this if taking extended family.