Not sure if this is a rhetorical question or not, so I'll answer it anyway.

I believe that any hours you earned in a month where you were over the monthly cap carried over into the next month. Of course this was minus the hours you decided to put in the bank. There was a cap on the hours per month you could deposit in the bank (I think it was 5 hours a month then but am not positive) as well as the 60 hour bank cap there is now.

Denny