For what it's worth here's my observation about redemptions. You can't redeem within 90 days so they mean the beginning of the 91st day you can. If I redeemed at 5:00 p.m. then it won't let me redeem until after 5:00 p.m. I have tried to redeem in the morning of what counts out to be the 91st day and no luck. Just get the message that my 90 days aren't up. Try a couple of hours later and it goes through. In other words they appear to be keeping track of the time as well as the day.