Hi Mike! You are a wealth of info when it comes to Dvc. How far out can we borrow points? In my case, my use year is Dec. I'm planning our 2010 trip. I have 1 pt left in my 2009 Use year and all 400 in my 2010. My res requires 544 pts which means I would need to borrow 143 pts from 2011, is this possible?