Since MS was closed I thought I'd ask you guys. My use year is Oct. I will get 173 pts. (have already borrowed 27) Thinking about taking the cruise in the fall. Do I have to wait until Oct.1st to book? We would need to borrow up to 117pts depending on stateroom. We have friends leaving on the Sept. 29th sailing, and would like to go with them. Is there any way we could pull that off? Thanks in advance.