On some listings I see it gives point info for 2013, 2014, and / or 2015... I understand that 2013 points would be considered "loaded"...right? 2014 are what's coming this year But what about when 2015 isn't mentioned at all? Does that mean it's just not listed or that there aren't any points for that year? Some listings say 0 points but I'm talking about when it's not even mentioned...I guess I just don't understand why 2015 is mentioned in some, but not all, listings...maybe I'm reading too. Uh into that!