So I hit the $50,000 spend on the business card. Didn't plan on it, but it happened. So now I get the 10% of the points back with a max of 20,000. Here is where I am confused, I thought after you hit the $50,000 any point redemptions I make in 2022 will count, even if the stay is in 2023. Reading the Hyatt definition, a redemption is when the stay actually happens and the stay must happen in 2022. So I made a points reservation back in the summer for December, 2022. Points taken out of my account. So my understanding is I will get 10% back after completing the stay. I am reading it as it does matter when the points are taken out of your account and can be before you hit $50,000, but the stay must be after and before the end of the year, 2022 in this case. Is this correct?