On the above, the parenthesis is used to keep track of what points are use/lose in that year. i.e. I had 50 BRV points for 2022, and then banked the 17 2021 points into 2022. If I had other points that were use/lose (transferred, borrowed, holding) I would also add them to the parenthesis. So I suppose I should call the parenthesis Use/Lose instead of Banked but Banked is the only category I have right now.