My use year is Dec and I will have 83 points left over for my year ending 11/30/04. I am thinking of going down early next Dec (04) and using those points. How does this exactly work? I would be making the reservations soon, but I believe they technically would be "banked" points since they would be used after the original use year is up. Do I need to bank them before the reservation? Also, if we cancelled, what happens to the points? I would still have the remainder of the year pretty much to use them, right?