No kidding! I thank my lucky stars for being Lifetime Platinum & not having to worry about it anymore.

But I'm cutting/pasting RogerD408's explanation. I'm moderating a Marriott roundtable at the Chicago Seminar event in October. I'm pretty much up on Marriott stuff, but the roll-over confuses me. I'll use Roger's explanation as my "Cliff Notes"

Cheers.