Wow - this got really interesting. Called MS today and asked about the mysterious 2 extra points available to bank. My activity statement was A MESS. I had some changed and cancelled reservations for the 2010 use year, as well as experienced a problem on a recent 3 night May stay at AKV Jambo CL. (We ended up with one of the handicap rooms and I need to have a bathtub because of disc problems in my back. We were moved to a SV for the last 2 nights of our stay but they still let us access the club level.) I just assumed we were still charged CL points, but it turns out they adjusted them to SV points. I later booked a 3 night SSR stay for October and was told I needed to borrow 17 points from 2011.
Anyway, while I was on the phone with Elvira at MS, and she & her supervisors tried to analyze the activity statement, I decided to do some simple math. I started 2010 with my 460 points, plus 255 banked from 2009. That's 715 points. I added up the points for my 2010 trips (those taken and those pending) and I got 718 points. I should have only had to borrow 3 points from 2010. I had been on the phone with Elvira for almost 90 minutes when I decided to share my calculations with her. I asked her to review it and call me back. I insisted that someone had made an erroneous adjustment to my account.
Another 90 minutes later, she called me back, thanked me for my patience, and advised I was correct. But according to their calculations, I now had 18 points from 2010 available to bank, which offsets the 17 I had borrowed from 2011. So I now have 461 points for 2011, which is 4 more than I think I should have, but I'll take it as compensation for my time. Elvira was pleasant and professional throughout out conversations this morning and I give her a lot of credit.
Moral of the story - CHECK YOUR POINTS!!!! (Haven't you offered this advice in other threads, Bill?) It's kind of like balancing your checkbook - some people just assume the bank is right, but the people who work there are human just like us. I'm so glad those silly 2 points were showing as bankable, otherwise I'd have never checked into this.