extra info just in case you need it:
*if you want to book a stay (of 7 nights or less) starting on jan 15, 2012, you can call as early as feb 15, 2011 to book it.
*when you call on feb 15, 2011, you can book the stay with banked 2010 pts, current 2011 pts or borrowed 2012 pts. once you bank or borrow pts, they cannot be put back into their original use year, and will expire at the end of the use year they were banked or borrowed into.
*traveling at the end of your UY - such as january for a feb UY - is a little riskier. if you need to cancel in november, for example, you will be past your banking deadline of sept 30 and will have to find a way to use the pts before they expire on jan 31.