I'm not sure I totally understand the point banking system. That is, they emphasize that points can only be banked for one year. If I understand it right, it's not a big deal. That is, if we bank 50 points this year, next year we get our 150+the 50 that we banked. So next year it's only imperative that we use that 50 that we banked from this year, not the whole 200 which we'll have. Is that right? So next year, we could still bank 30 points or so into the following year? Someone please tell me if I have this scenario correct.