I don't claim to understand their system, but can tell you a little about how it worked for us this year. We started discussing this with a guide inmid-May. At that time, they were selling contracts with a December use year, and as soon as we purchased, we got an entire year's worth of points, from December of 2000. Because it was the end of May and we knew we wouldn't be using all those points before December, 2001, we immediately banked what we didn't expect to use. There was a specific place in the pile of paperwork to designate how many points we wanted to bank. I believe there was a little flexibility in selecting use year, but can't recall the details. I don't think we could select months prior to December, but believe we could have selected months between December and May --- but I could be wrong about the last part. I recall the guide telling me that as they made sales during the month of May, all the "December points" might get sold before the end of May, and we'd then have a January use year.