I am hoping some of you old timers can help us newbies! I bought in last summer on our cruise. Our year is Feb. If we want to cruise in the summer of 2004: 1. When do I need to bank this years points by. 2. Can I also borrow from 2005 and use all of 2004 and the banked ones from 2003. 3.When can i book it. Thanks for all your help. This is very confusing. We have booked a room in Disney land this summer and used a few of our points.