I thought with Ontario's provincial debt at $327.4 Billion outstanding and a deficit of 5.7 Billion (2016), your power rates skyrocketing, exactly where is everyone planning on escaping to? The rules are clear - if you do not use the points in the account - and the account becomes inactive, then points are forfeited . Simply use them. This is a trick your government is using to point away the real problems your province has.