If everybody keeps their contracts, their won't be enough units to go around for everyone to get full points in 2041, but do you think that everyone will? A lot of the people that bought them will be dead, and as much as their children will want to keep them, the last few years the membership dues may be so high that people don't see the value of paying them for the last couple of years and they just "let them go." I don't know if that will happen, but I'm guessing it might. It's one thing to pay dues now when you have years and years to use the points, but it might be another thing to people if the dues are high enough that they could go on vacation for about what the dues would cost anyway, and they would only have the points for a year or two more. I'm not sure if I'm explaining that well, but I think there may be people who just let their points go at the end.