Ok I think I got the use year down. For example let say I become an owner (150 points) this year with a use year of March. I want to take a weak vacation next May 31st 2011. So I bank my 2010 points plus I get 150 more points in March of 2011 for a total of 300 points but I need like approx 13 more so I borrow 13 from March 2012. So on June 31st of 2010 I call and make the ressies and bank this years points and borrow the extra 13 from 2012 plus use my 150 that I will get in March 2011. Ok so lets say Feb 31st 2011 I find out I cant go on May 31st and I have to cancel everything.
So as long as I called 31 days in advance of my ressies (May 31st) the points do not go into a holding account, however I have until March 1st 2012 to use my banked points from 2010(150) and borrowed points from 2012(13) and I can bank the 150 that will come with my March 2011 use year. Ok another scenario. Lets say I dont want to cancel but move my ressies until June 31st. I assume nothing will changed with the borrowed and banked points and will just be moved to the new ressie. But I would assume the problem would be getting that new ressie only 3 months away? Ok so do I finally have a handle on it ?
So as long as I called 31 days in advance of my ressies (May 31st) the points do not go into a holding account, however I have until March 1st 2012 to use my banked points from 2010(150) and borrowed points from 2012(13) and I can bank the 150 that will come with my March 2011 use year. Ok another scenario. Lets say I dont want to cancel but move my ressies until June 31st. I assume nothing will changed with the borrowed and banked points and will just be moved to the new ressie. But I would assume the problem would be getting that new ressie only 3 months away? Ok so do I finally have a handle on it ?

Bill