To really throw a wrench into the confusion mode....I recently bought into
DVC and had used my points for 2005, I called to find out when I could book for May 2006 and she said now since I had the points available for 2006 and the year I was booking was 2006! She said I wasn't borrowing!! So.....does that mean now, I can 'borrow' my points from 2007 and book for 2007?????
..........and I thought I sort of had a handle on all this stuff..............