Sorry for sounding stupid but I have such a hard time grasping the use year/banking/making reservations thing - I feel like an idiot! I added on with SSR last year so I could stop borrowing points every year. Then I made a booking for November and they said I had to borrow points from next year because SSR didn't close yet and those points wouldn't be available until the deal closed. Now it is September (my use year) and I have 100 SSR points because they borrowed next year's VWL points for this booking. I want to book December 2005 as soon as I can (which will be in January). Do I have to bank these points and then book? Do these points have to be used by August 2005 or just the reservation made?? I hope this isn't too confusing.