Never been on a cruise. Gonna try and do a sept 06 cruise. Pts needs is 135 pp (Deluxe Stateroom with Navigator's Verandah)(2 people, 4 day cruise). We have 150 pts, use year is mar 05. Have already scheduled 55 pts at ssr for sept 05. I will bank the remaining 95 points later this month...making a total pt for mar 06 of 245. Now the question, when can I borrow pts from 07 for a trip in 06. Sorry if this looks complicated, just think how i feel 
