I don't, because it would be a massive waste of time. Labor laws vary by jurisdiction, but it's extremely unlikely that "points" like this that have to be accu

I don't, because it would be a massive waste of time. Labor laws vary by jurisdiction, but it's extremely unlikely that "points" like this that have to be accumulated before being cashed out is considered "deferred compensation" in the vast majority of locations IBM operates out of. Employers have an unbelievable amount of latitude in the administration of these sorts of fringe benefits.