Hi, I am thinking of booking a cruise for June 2004 with points for one cabin, my use year is June. I have about 50pts left of my 2003 points and would borrow all of my 2004 points. Since the cruise is in June 2004 could I borrow from my 2005 points?? I am asking because I would like to upgrade an existing vacation for July and use the 50 points from 2003, but this would leave me short for the cruise. I know I could do this for a dvc resort but I am not sure if it works the same for a cruise?? Thanks, Joan