We got our 50 pt add-on at BWV. My question is this....we had 150 pts. We are using 95 this summer and 105 in Nov. So, obviously we had to borrow 50 from '05. So, what happens to the 50 we just got? They are effective for 2004 according to our paperwork. I know that I can't put back the borrowed 50, but can I just bank the new 50 pts. into next year? I don't want to sound like a complete idiot when I call MS so any imput would be terrific.