For example, I have two OKW contracts, one Sept and one Dec. If I want to combine them, I transfer the Dec to the Sept contract. They are both OKW so I can use them both at 11 months out if transferred. I also have a Sept VWL contract. If I need more VWL points, I borrow or bank them. I can't turn them into OKW points or turn OKW points into VWL points.