First let me give you a little information. My wife and I have two OKW ownerships. One with a Feb. use year of 230 pts. with 6 pts. banked from 2000. Another is a Sept. use year of 330 pts. with 155 unused pts. from 2000. We want to make reservations next week for a vacation next Jan.-Feb. that will require approx. 700 points. Because of the size of the reservation we do not want to put it off. We also have hopes of getting away for a short 5-7 day vacation within the next 2-3 months and would like to use the 155 pts. for that but it may not happen. And we don't want to loose them either plus we would need to bank them by May. I'm a little weak on the banking and borrowing and would like some creative help. I do believe that sense we have two ownerships that MS has to break it up into two separate reservations but they say we would not be required to move. Any clarification would be helpfull. Thank you.