I am a new member of DVC and have a question regarding banking and borrowing of points. I have reservation for Sept. at BLT that cost me 368 points. I had to borrow 48 points from next year (2010) to make this happen. My plans have slightly changed and I need to shorten my trip by 1 day meaning I need 36 less points for this reservation. I know that I can't return the points I borrowed from next year, but can I use them and bank 36 of my 2009 points. Please let me know.