Correct me if I'm wrong (and I very well may be) but she is still in the 2009 UY through the rest of November. Her 2010 UY will start Dec 1 meaning she can't borrow 2011 UY points until Dec 1. I doubt this will make much difference in this case, though, since it is almost Dec. I also have a Dec UY and this just came up for a last minute trip last week where I ran out of 2010 UY points to borrow and had to buy 1 point to complete the reservation.