I am in the process of making a trade and for one more book (one more point -- which I don't currently have) I can get 3 more books as this member is doing a "spring cleaning."  She suggested I ask to borrow a point from someone.  Is that done, and if so how?  Thanks for your patience as I'm very new to this site.

Linda, sending you a credit now.  When you have an extra & want to return it, just click on my account name in blue, and then on the "give credits" tab from my profile.  And that's how it's done:)