KLR- we are kind of in the same situation. We borrowed 100 pts. for our OKW reservation in Aug. After we did this, we thought about adding on 100 pts. I specifically asked my guide if we could put those borrowed points back into our 2001 use year which begins in Oct. and use our add-on pts. He said yes we could. I even questioned him about not being able to put it back into that year, and he still said we could do it. I'm wondering if they are willing to do it if you are adding on points. We haven't decided to do it yet because I'm still not sure if they'll will indeed let us put those points back. It is too late for us to bank any add-on points, so we would lose them. You may want to check with your guide and see what he/she says.