Regarding annual spend: I had about $1,000 of flights credited in the last week of 2021, and sometime in the last week, my spend counter at https://www.businessextra.com/redeem/redeem-points.htm dropped by $1,000. So it does seem that it's a rolling counter with at least monthly resolution, maybe even daily. I think that's how we all assumed it would work, but here's an additional DP.