I should know the answer to this, but my brain is tired (just started back to teaching 3rd grade after 14 years at home). We're booked on RCL cruise in March. We're thinking we'd like to arrive a day early and stay at a WDW property. We are out of 2014 points, and our use year is April, so we would need to borrow points. If we do that and then decide not to go (or the airline tickets don't work out timing wise), do we lose the points?