We have a September UY and I know I get my allotment of points this September 2014. My question is: I want to book several rooms (family trip) for May 2015, and don't have enough in my Sept. 2014 UY. I believe I can borrow my points from UY 2015, but can I also borrow points from UY 2016 since the trip itself will be in 2015? Hope someone can help me with this!