I dont know if this question makes sense but here it goes. I am looking at a October 2023 trip with a December use year. Do I have to wait until December 1 for the borrowed points to be available that I need to make the trip happen. Or can I still book it at 11 months (November) because that trip falls in the window of 2023 banked points. That question makes sense in my head its just hard to type 
