That's true. I think I've done it before. My problem is that I always have a small number of points left over - not enough for a reservation. If I let them go into LCUP so I can combine them with the next year's points, I'm limited by the 60 day rule. If I try to use them while in CUP by borrowing some next year's points, again, I'm limited by the 60 day rule. If I move them to II, 2 or 3 years worth of a small number of points won't be enough for an II reservation. I would have to give up a Hyatt vacation to add enough points to make an II reservation. So I've come to expect to lose a small amount of points every year. This is the one thing about the Hyatt system I don't like. With DVC, Marriott, and HGVC, banking and borrowing is simple, and I've never lost a point in those systems.