is it one transfer per calendar year Jan-dec, one per use year--meaning if I have a sept UY, I could have a transfer in July 2010, and then again in October 2010? Or is it one transfer regarding the points transferred into my account--so one transfer of 2010 UY points, one transfer of 2011 points, but, in theory, these could be a month apart, as long as they were 2010, then 2011 points? thanks, Elaine