I'm trying to clarify how far in the future I can borrow points. I have an April UY, so I'm currently in my 2012 UY. In June, I want to book a trip for May of 2013, which will be in my 2013 UY. When I book the trip, can I borrow points from my 2014 UY to cover the cost of the trip? I think someone at MS once told me that the borrowing/banking rules are for the UY of the trip, not your current UY. Can someone confirm? Thanks!!