It's a little easier to understand if you make yourself a little chart for your use year. A September use year month would look like this:
<b>Use Year.....Vacation Dates</b>
2002.....Sep 1, 2002 through Aug 31, 2003
2003.....Sep 1, 2003 through Aug 31, 2004
2004.....Sep 1, 2004 through Aug 31, 2005
2005.....Sep 1, 2005 through Aug 31, 2006
2006.... Sep 1, 2006 through Aug 31, 2007
2007.....Sep 1, 2007 through Aug 31, 2008
and so on.
A trip in December 2004 requires UY 2004 points. You can get points into 2004's year three ways: (1) bank 2003 points, (2) regular 2004 points, (3) borrowed 2005 points.
You banked your 2002 points into 2003 which meant they were only available for a vacation in the 2003 use year (Sep 1, 2003 through Aug 31, 2004)
Your Aug 2003 trip was in your 2002 use year. If you had banked your 2002 points into 2003, then you had no 2002 points for that trip. That's why you had to borrow some of your regular 2003 points into 2002.
An April 2004 trip would be in your 2003 use year.
A December 2004 trip would be in your 2004 use year.
Using the chart above, see when your <u>Vacation Dates</u> will be. That tells you what use year the points will have to come from. You can be sure you have enough points in that year then by banking or borrowing as appropriate. Keep in mind, once banked or borrowed, those points cannot be returned to their original use year.
You make your <i>RESERVATION</i> at 11-months (or 7-month) regardless of your use year. You don't have to wait until points are actually in your account yet. It only matters that points WILL be in your account at the time the vacation is actually taken. Example: You can make a reservation right now--November 2003--(11-months) for an October 2004 vacation, using your regular 2004 UY points that you will receive Sep 1, 2004. An Oct 2004 vacation is in your 2004 UY and can use regular 2004 points, banked 2003 points, or borrowed 2005 points.
Remember, use year is totally different than Calendar year. Example: July, 2005 is in your 2004 UY just like Oct 2004 is in your 2004 UY. A July 2005 vacation requires 2004 year points. Just like the other example, they could be regular 2004 points, banked 2003 points, or borrowed 2005 points.
Hope this helps.