How do rollover minutes work?   The plans says that they only last for one
year, but it doesn't explain how this actually works.  For example, let's
say that in February of 2005, I had 200 excess minutes that went into
rollover and in April I had 100 more minutes go into rollover.  Assuming I
used the exact minutes in my plan in the other months, that would give me
300 rollover minutes.  In June, I exceed the minutes in my plans by 100
minutes, so these have to come out of the rollover pool.  Do the 100 minutes
come out of the total I accumulated in February (FIFO) or do they come out
of the April pool (LIFO)?   Or does the plan not keep track of where the
minutes come from?

In either case, I should now have 200 minutes left in my rollover pool.
Let's say that for the rest of the year I use the exact minutes in my plan
and I don't add or subtract anything from the rollover pool.  How does this
one-year expiration now come into play?  In February of 2006, the original
200 minutes I rolled over in February 2005 would theoretically go away if
they are pulling minutes out on a LIFO basis, which means I should now have
no minutes left.  But if they pull them out on a FIFO basis, then I should
still have 100 minutes in the pool.  And if they don't keep track of how the
minutes are pulled out, I'm not sure what they would do.  How does this all
work?