Yes, this is my "with changes." It should be pending these changes.

Also, some mechanism should be set up for expiry. I.e., what happens if a gazillionty-seven points are donated to a comm, and the mod goes dark and leaves them sitting there? Those points are effectively dead unless some mechanism is in place to rationally transfer control. I'd recommend opints get used FIFO, and any points more than X months old are refunded. Details would need fine-tuning (user donates points, then deletes journal?), but could be worked out during the spec process.