I've had the Go365 Program as a benefit for several years. The terms set by Go365 state that rewards must be redeemed by December 31 of each year. The issue I have is that the Rewards earned has a lag time of several months before they are available for redemption. Because the rewards take several months to be available for redemption, each year I am unable to use the rewards earned for November and December, so those rewards are lost each year. How does Go365 address this?