I had Mosaic 1 for 2024 and just hit my 50 tile mark 2 days ago and earned Mosaic 1 status for 2025. Along with that, I was given the choice to select a perk which I then selected the 20 tile perk thinking it would apply in 2025 and give me a head start, however, it went thru right away and put me at 70 tiles. I called JB, had them remove the perk, and asked if I waited til January 1st could I then use the 20 tiles perk, and the rep told me no, that my perk would expire on 12/31. Now do I risk it and wait til January to see if the rep was wrong? Or do I just select the 15k pts perk now so as not to lose the perk all together?