I have 25 points left from this use year. At this time, we are not sure if we plan to go to WDW in 07. When banking the 25 remaining points, do I need to specify a year to bank them into? I understand that you cannot bank the same allotment of points more than once......so, if I bank them into 07 and we do not go in 07, I won't be able to carry those 25 over to 08, correct???? Please help on this.....I'm gettting more confused by the minute! Probably an easy concept, I'm just way overthinking it!