Being new to DVC, I am confused about banking and then using banked points. I have an April UY, I have 38 points remaing for 2009 which I know I need to bank prior to 30 November 09. I want to book a trip for September 2010, do I need to bank these 38 points BEFORE I book that trip in order to use them for the trip? If I book it before I bank, will I be using only 2010 points? Thanks for all of your help...