I am sure you guys are tired of seeing post on this subject, BUT I talked to MS yesterday and I am still confused. I consider myself well educated on most topics concerning DVC , but I can't grasp this. Here is my scenerio... I banked my 2006 points (90 points) with a Sept. use year. I have a November trip scheduled for 2007. After banking my points I had a total of 240 points. 159 points will be used in November. If I am not mistaken, the 90 points from 2006 will be the first used. NOW HERE IS THE TRICKY PART (for me anyway).... We are considering a May 2007 trip to Disney at OKW. The point total is 50 points. I would have to borrow the banked points in order for this to happen. Am I borrowing from 2006 or 2007?WHAT IF I book this ressie and have to cancel due to an unforseen circumstance? What is the stipulation on cancelling (outside of 31 days) borrowed points? Will these points go back into the bank and have until 2008 to use them OR do they need to be used by Sept. 2007? Or am I totally off base???