As a buyer I am set to put an offer in. Here are the details: 160 Points with an August UY. 2011-130 2012-320 2013- 0 2014-160 These points remaining confuse me. I dont understand how this could be. I know am I just having a mind cramp. So they used 30 points in the current year and 130 remain. But then they have all of 2012 points coming in August. How could they have borrowed already from 2013 (leaving it dry) without using their existing points? If so, could their 2012 points still be banked to 2013. Something is rubbing me the wrong way and my spidey senses are tingling.