Just wondering how this would work: say you had 160 points for your 2017 use year (April). You wanted to travel to Disney in the fall of 2018. You plan to book your vacation at the 11 month window which would be in fall 2017. Would you just book this fall 2018 trip with your 160 2017 points (even though these expire March 31st, 2018) or do these actually need to be formally banked first? If they need to be banked, what is the cutoff for banking them? Thanks, Greg