My use year is September. I want to book four studio rooms at BWV in May 2015, but I'm not sure I have enough points. I have 122 pts. in my 2014 UY which is not enough. But, I have 450 in my 2015 UY. Can I borrow from the 2015 UY, or since the vacation is May 2015 would that be considered my current points. I am so confused! I think right now I am in the 2013 UY until the last day of August. Please help!