I am saving for the trek road bike at $79,000. My bucks have been capped this year at 77,124. I am very active running multiple marathons each year and would be surprised if i did not hit the annual maximum each year. Because of this, I would estimate that my capped earnings would be $79,500 ($90K - $10.5K) as i spent $10,500 per my order history. Can some one please explain why i am being capped short of my goal for the trek bike?