We called MS last year at this time to request our "once in a lifetime" assistance with canceling and rebanking due to DH needing back surgery. They did take care of everything for us and did tell us that our file has been marked, and tht we have used this one special, non published, assistance. Without this, we would have lost over 250 points, plus the 100 BWV points that we had just purchased, with a dec use year and the 12/99 points were about to expire. They were very helpful and knew exactly what I was asking about when I called last year.