Ok, I know this sounds like a dumb ??? But I'm getting a little lost with our points and use years... Our family is going in March and it took 500 pts. When I go on the DVC site, it says under use year Sept 2006, pts. remaining is 60. Now, under the use year Sept 2007, the remaining points are 170. I need 198 for a trip we're planning in June. Can I take those 170 pts of Sept 2007 and borrow from 2008 to go on a trip in June 2007 or can I not borrow because I'm overextending???