So, I'm trying to understand and not mess up the banking thing. We are in the process of buying and I just want to make sure that I have things right. Here's what I think is correct, if I am wrong would someone please help ??!! Part of our incentive to but was 200 bonus points that we get right now as they would be Aug 2006 points. Our guide told us that we will need to bank these right away. The points that we are buying have a use year of Aug 2007. So if I am thinking then this is true: 1. The bonus points have to be banked by Jan 31st or we lose them 2. We will get our next set of points on Aug 1, 2007. 3. The bonus points, even if banked, have to be used by Aug 30, 2008 or we will lose them. Am I on the right track ??