Question: let's say you have a contract for 100 pts. You bank those 100 pts and the next UY you have 200 pts. If I stay 7 nights and costs me 107 pts, what happens to the 93 pts I don't use? Will they just carry over? Do I have to also bank them before next UY? Or will they carry over and I'll have a total of 193 pts that I could bank for the next trip?