Just as I picked up the phone I figured I would try to book online. And it looks like I can borrow from 2019 online. The guide was wrong! Thank you!Thanks! Unfortunately I do not have enough points in my account to book my trip, but I will be able to borrow them at time of travel. I was told I could call and MS can book for you. I just looked online at the availability so I have an idea where we want to stay.