Question about the one time use points. I know that you can only buy them at the 7 month mark, but can you buy points (I think 24 max?) and borrow from the next year? I don't want to use all my points from the next year, but need more than the 24 you can buy. We want to go to Aulani next year and I want to splurge on the ocean view since this isn't someplace we can go often and I know some of the other views are harder to get as well so I don't want to count on using less points. So is this doable or if I need more than 24 and can't do both then that means borrowing all of them from the next year?