THURSDAY INTERMEDIATE

THURSDAY 22ND OCTOBER 2026


GREEN
1 N-S DENNIS CROWE & RICHARD SELLERS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460601  112 E-150846  214 E+2-480123
24 E+2-480701  125 xE-3500996  22Avge  503
33 E=-1401001  133NTW=-600305  233NTE+1-63003
42NTN+2180501  143NTN+1430995  244 W=-420403
52 E-2100607  152 W+2-170345  251NTW=-90992
65 N+1420227  164 xE=-79025  264 E+1-65022
73NTS+1630927  17Avge  504  273NTW+2-46002
84 E+1-150157  183NTS-1-100404  284 E-150502
96NTN-3-15006  194 W=-620674 
104 W+1-650506  202 N-1-100304 
46.22% 4th 
 
2 N-S DEB HICKS & SUE ROBERTS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460603  113 E-150841  21Avge  505
23NTW+3-490303  123NTW-2100701  221NTW+2-150305
32 E+2-170593  135 E-2200997  232NTE+1-150845
43NTN=600923  144 S=420607  244 W=-420405
54 xE-3500992  152 W=-110677  251NTE+2-150224
63NTN+3490702  164 S+1150607  26Avge  504
75 S+1620672  174 S+1450406  272 E+3-1501004
84 E=-130622  183NTS-2-20026  281 W+1-90174
93NTN=400671  193NTW+1-630506 
104 W+1-650501  202 N=90806 
59.81% 2nd0.07 masterpoints
 
3 N-S BARBARA KWIATEK & GERLINDE LEDGER THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTS+143025  113 E-150843  214 E=-420897
2Avge  505  123 xE=-470223  221NTW+1-120707
33 E+1-170595  133NTE=-600302  233NTE=-600347
43NTN=600925  144 S=420602  244 W=-420407
52NTN-3-30024  152 W=-110672  25Avge  506
63NTN+3490704  164 S+1150602  263NTE=-600406
73 S+3170344  173 S=14021  273NTW+1-430176
8Avge  504  182 S=110801  283NTW-150506
93NTN+1430923  193NTW+2-660251 
104 E+2-68023  203 N-1-100301 
45.87% 6th 
 
4 N-S CAROL DORRINGTON & IAN WINTON THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
1Avge  507  112 E=-110345  214 E+1-450502
26NTW=-99027  12Avge  505  221NTW+2-150302
34 E=-62007  131NTW+3-180804  233NTE=-600342
41NTN+2150347  141 N=7024  244 W-150892
53 E-150406  153NTE+1-43004  251NTW+1-120801
6Avge  506  163 W+2-200224  262 S-4-400601
73 E-1100176  174 S+1450403  275 E=-400591
83 N-1-50976  182NTS-1-100403  283NTW-150501
92NTN+2180505  193NTW+3-69003 
104 W+1-650505  202 N=90803 
41.40% 7th 
 
5 N-S ANDY BLUNDEN & TIM BOORD THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460602  112 E=-110347  214 E+2-480124
23NTW+2-460992  123 E-2100707  221NTW+3-18024
33 E+1-170592  132NTW+3-210606  233NTE=-600344
42NTN=120172  142 S+2170226  244 W+1-45024
5Avge  501  152 W-1501006  251NTW+2-150223
63NTS+1430401  16Avge  506  264 W=-620223
73NTS+1630921  174 S+1450405  275 E=-400593
83 S-3-150151  183NTS-1-100405  284 E-2100843
93NTS+1430927  193NTW=-600845 
10Avge  507  203NTN-2-20025 
46.20% 5th 
 
6 N-S JUDITH CANDY & PETER CROUCH THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTS+2460604  112 E+1-14002  214 E+1-450506
23NTW+3-490304  122NTE=-120402  221NTW=-90996
33 E+1-170594  133NTW+1-63021  233 W=-1401006
43NTN-1-10004  14Avge  501  244 E-150896
51 N-1-100223  152 E=-110671  252 W+1-140605
65 N=40023  165 xW-2500991  263 W+1-170805
73 S-2-20003  174 N+2480897  275 E=-400595
8Avge  503  183NTS+1630997  283NTW=-40005
93NTN-2-100172  192 E+3-2001007 
104 W+1-650502  20Avge  507 
50.67% 3rd0.05 masterpoints
 
7 N-S FRANK STROUD & SHAUN TURNBULL THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460606  112 E=-110344  214 E=-420891
24 E+2-480706  123 xN-4-110024  221NTW+1-120701
33NTN-5-250176  13Avge  503  231 W+3-170671
41NTE-2200676  144 N=420603  24Avge  501
52 W-3150805  154 E=-420173  251NTW+2-150227
66 S=920995  164 S+1150603  262NTW+1-150997
73NTS=600505  174 S+2480892  275 E=-400597
84 E=-130625  18Avge  502  283NTW-31501007
93NTS-1-50344  193NTW+2-660252 
105 W-1100994  202 N=90802 
60.13% 1st0.10 masterpoints
 
1 E-W MARY KEMBREY & JON PARRINGTON THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460401  113 E-1-50172  214 E=420127
24 E+2480301  123NTW-2-100302  221NTW+1120307
33 E=14001  133NTW+1630996  231 W+3170347
42NTN+2-180501  14Avge  506  24Avge  507
5Avge  505  152 E=110346  251NTW+1120204
63NTS+1-430605  165 xW-2-50026  262 S-4400404
73NTS+1-63095  173 S=-140993  275 E=400424
83 S-3150855  182 S=-110203  283NTW-1-50504
93NTN=-400342  193NTW+2660753 
104 W+1650502  203 N-1100703 
41.07% 6th 
 
2 E-W TERRY JONES & GRANT SHARPLES THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460405  112 E+11401006  214 E+1450504
23NTW+246025  122NTE=120606  221NTW+2150704
33 E+1170425  133NTE=600703  233NTE=600674
42NTN=-120845  144 S=-420403  244 W-1-50124
54 xE-3-50022  152 W=110343  251NTW=9021
63NTN+3-490302  164 S+1-150403  264 E+1650991
75 S+1-620342  174 S+2-480127  273NTW+24601001
84 E=130392  18Avge  507  284 E-1-50501
93NTN-2100846  193NTW+2660757 
104 W+1650506  202 N=-90207 
48.21% 4th 
 
3 E-W JULIE CLARK & BILL JENSEN THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460402  113 E-1-50173  214 E+2480891
23NTW+3490702  123 xE=470793  22Avge  501
32 E+2170422  13Avge  507  233NTE+16301001
43NTN=-60092  144 N=-420407  244 W=420601
51 N-1100796  154 E=420847  251NTW+2150795
65 N=-400996  164 S+1-150407  264 W=620795
73 S-22001006  174 S+1-450604  275 E=400425
8Avge  506  182NTS-1100604  284 E-2-100175
93NTN+1-43093  193NTW+36901004 
104 E+2680993  202 N=-90204 
60.20% 2nd0.07 masterpoints
 
4 E-W JUDY MALONEY & GILLIAN O'DEA THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTS+2-460406  112 E=110677  214 E+2480895
23NTW+3490706  123 xN-41100997  221NTW+3180995
33 E+1170426  131NTW+3180204  233NTE=600675
43NTN-11001006  141 N=-70994  244 W+1450995
52NTN-3300993  153NTE+14301004  251NTE+2150792
63NTN+3-490303  163 W+2200794  26Avge  502
73 S+3-170673  17Avge  501  272 E+315002
8Avge  503  183NTS-1100601  281 W+190842
93NTS-150677  194 W=620341 
105 W-1-10027  202 N-1100701 
66.13% 1st0.10 masterpoints
 
5 E-W DIANE HARVEY & JAYNE WHITE THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTS+1-430993  112 E=110674  21Avge  502
2Avge  503  12Avge  504  221NTW+2150702
33 E+1170423  133NTW=600701  232NTE+1150172
43NTN=-60093  143NTN+1-43021  244 W=420602
52 W-3-150207  152 W+2170671  252 W+1140406
66 S=-92027  164 xE=790991  263 W+1170206
73NTS=-600507  174 S+1-450605  275 E=400426
84 E=130397  183NTS-1100605  283NTW=4001006
92NTN+2-180504  193NTW=600175 
104 W+1650504  203NTN-2200995 
49.80% 3rd0.05 masterpoints
 
6 E-W DAVID STREET & JUDY YEOMAN THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460407  112 E-1-50171  214 E+1450506
24 E+2480307  125 xE-3-50021  221NTW=9026
33NTN-5250847  132NTW+3210405  233 W=14006
41NTE-2-200347  142 S+2-170795  244 E-1-50126
53 E-1-50604  152 W-1-5005  25Avge  503
6Avge  504  16Avge  505  263NTE=600603
73 E-1-100844  174 S+1-450602  273NTW+1430843
83 N-15044  183NTS-2200992  283NTW-1-50503
96NTN-31501001  193NTW+1630502 
104 W+1650501  202 N=-90202 
44.20% 5th 
 
7 E-W SANDY BOND & MARGARET CRONIN THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
1Avge  504  112 E=110675  214 E=420123
26NTW=990994  123 E-2-100305  221NTW+1120303
34 E=6201004  135 E-2-20022  233NTE=600673
41NTN+2-150674  144 S=-420402  244 W=420603
52 E-2-100401  152 W=110342  251NTW+2150797
65 N+1-420791  164 S+1-150402  262NTW+115027
73NTS+1-63091  174 N+2-480126  275 E=400427
84 E+1150851  183NTS+1-63026  283NTW-3-15007
93NTS+1-43095  192 E+320006 
10Avge  505  20Avge  506 
40.00% 7th 
 

THURSDAY INTERMEDIATE

THURSDAY 22ND OCTOBER 2026


RED
1 N-S WENDY OSBORN & JOAN PERKINS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN=400221  112 S-1-50346  214 E+1-450223
24 E+2-480801  124 E-150596  22Avge  503
33 N-1-50501  133 E+3-170805  231NTE+3-18093
41NTN=90221  144 S=420895  242 E+2-170603
53 E+1-130227  152 W+2-170595  252 W=-110602
63NTN+2460897  163 W=-140675  262 S-4-400402
73NTS=600847  17Avge  504  271NTE+4-210502
83 E+2-150127  182 S=110604  282NTW=-120172
93NTN-2-10026  195 W=-600504 
104 W+2-68026  202 N-1-100504 
45.51% 5th 
 
2 N-S ROBBY RANDALL & BOB WILLIAMS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
14NTN+1460803  112 E-150501  21Avge  505
26NTW=-99023  123NTW+1-430171  222 W+1-110605
33NTN+14301003  132 E+2-130997  232NTE+2-18095
4Avge  503  142 S+2170607  244 E=-420225
52NTN-4-40022  153 W+1-170597  251NTW=-90804
63 N+2150122  163 xW+2-113007  26Avge  504
73NTS-1-100252  174 S+1450606  272 E+3-150844
82 N=110602  183NTS=600806  284 W-3150924
93NTN=400601  194 W+1-150846 
104 W+1-650401  202 N+1110846 
52.60% 3rd0.05 masterpoints
 
3 N-S JENNIFER CASEY & MARIA LEAVER THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460805  113 E-2100843  214 E+1-450227
2Avge  505  123 E-2100843  221NTW+2-15027
33 W-1100755  133NTE=-600502  233 E+1-170347
42NTN=120705  143NTN-2-100122  244 E=-420227
53 E-150504  152 W+2-170592  25Avge  506
65 N+1420604  164 S=130842  264 E=-620226
72NTS-1-100254  174 S-1-5021  272 E+3-150846
8Avge  504  183NTS-2-20021  282 E=-90346
92NTN=120403  195 W+1-620251 
104 W=-620803  203 xN-2-50001 
43.80% 6th 
 
4 N-S JEN CLARKE & HELENA SAJ-RYNES THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
1Avge  507  114 E-2100845  212 E+2-170992
26 E=-980227  124 xE-35001005  222 W+1-110602
34 E=-62007  133NTW+1-630224  231NTE+1-120502
43NTN-2-20027  144 S=420894  243 W=-140802
54 N=130896  154 E=-42004  252 E+2-170121
6Avge  506  163 W+1-170504  263 E+1-170891
73 S+3170676  175 S=450603  274 E+1-150841
82 N+1140806  184 S-1-100303  282 W+1-14001
93NTN-1-50225  196 W-11001003 
103 W+2-200995  203NTS-1-100503 
55.13% 2nd0.07 masterpoints
 
5 N-S BRIAN KENNELLY & JUDITH KOWALCZUK THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2460802  112 E=-110177  214 E+1-450224
23NTW+3-490402  123 N-2-200347  222 N-1-50994
32NTS-2-100342  133NTW=-600506  234 E-33001004
43NTN=600992  143NTN-2-100126  244 W-150994
5Avge  501  152 W+2-170596  251NTW-2200993
65 S=400401  164 S+11501006  263 W+1-170893
73NTS+16301001  174 S+1450605  275 W=-400253
84 N-2-100401  184 S-1-100305  284NTW-3150923
93NTN+1430807  195 W+1-620255 
10Avge  507  204 S=1301005 
62.24% 1st0.10 masterpoints
 
6 N-S MARGARET CHRISTIE & ALAN MARRIAGE THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+1430404  111NTE-2100842  214 E=-420606
24 E+2-480804  122NTE-150592  221NTW+1-120226
33 E=-140174  133NTW+3-69021  233NTE-1100846
42NTN=120704  14Avge  501  244 W=-420226
54 E-150503  151 W+3-170591  253 W+1-170125
63 N+2150123  161 xW+3-760171  264 E+1-65025
73NTS-1-100253  174 N+1450607  275 E=-400255
82 xS+1570993  183NTS+1630997  283NTW-2100675
9Avge  502  193NTW+1-63007 
104 W+1-650402  204 S-2-200177 
42.95% 7th 
 
7 N-S SANDY AIKMAN & PAT CULLEN THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
12NTN+115026  113 E=-14004  213 E+2-200801
24 E+2-480806  123 xN-2-50004  223 W=-110601
34 E-1100756  13Avge  503  232 E=-90671
42 S=110406  142 S=110403  24Avge  501
54 N=130895  152 W+2-170593  252 W+1-140407
63NTN+2460895  164 E+1-650343  263 W+2-200607
72 N-1-100255  174 N+1450602  274NTW+1-46007
84 W+1-150125  18Avge  502  283NTW-150507
93 xN=530994  193 W+3-170672 
105 W=-650404  202 N-1-100502 
48.53% 4th 
 
1 E-W ARNOLD FRASER & THEO KATSIVAS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN=-400791  112 E-1-50502  213 E+2200207
24 E+2480201  123NTW+1430842  223 W=110407
33 N-150501  133NTW+3690996  232 E=90347
41NTN=-90791  14Avge  506  24Avge  507
5Avge  505  151 W+3170426  252 E+2170894
65 S=-400605  161 xW+3760846  263 E+1170124
73NTS+1-63005  174 S-150993  274 E+1150174
84 N-2100605  183NTS-2200993  282 W+11401004
93NTN=-400402  195 W+1620753 
104 W+1650602  203 xN-25001003 
59.40% 2nd0.07 masterpoints
 
2 E-W DALE KENTISH & PETER KENTISH THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460205  111NTE-2-100176  212 E+217024
23NTW+3490605  122NTE-1-50426  222 W+1110404
32NTS-2100675  133NTE=600503  231NTE+1120504
43NTN=-60025  143NTN-2100893  243 W=140204
52NTN-4400992  152 W+2170423  252 W=110401
63 N+2-150892  164 S=-130173  262 S-4400601
73NTS-1100752  174 N+1-450407  271NTE+4210501
82 N=-110402  18Avge  507  282NTW=120841
9Avge  506  193 W+3170347 
104 W+1650606  202 N-1100507 
47.44% 3rd0.05 masterpoints
 
3 E-W JANET JOHNSON & ROSE WILLINGTON THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
14NTN+1-460202  113 E-2-100173  214 E+1450791
26NTW=990992  123 E-2-100173  22Avge  501
33NTN+1-43002  13Avge  507  231NTE+3180921
4Avge  502  142 S=-110607  242 E+2170401
54 E-1-50506  152 W+2170427  251NTW-2-20025
63 N+2-150896  164 E+1650677  263 W+1170125
73NTS-1100756  175 S=-450404  275 W=400755
82 xS+1-57026  184 S-1100704  284NTW-3-15095
92NTN=-120603  196 W-1-10004 
104 W=620203  203NTS-1100504 
43.27% 7th 
 
4 E-W ELIZABETH EGAN & JUDITH LEWIS THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+1-430606  113 E=1401007  214 E+1450795
24 E+2480206  123 xN-25001007  222 N-15025
33 E=140846  133NTW+1630794  234 E-3-30005
42NTN=-120306  144 S=-420124  244 W-1-5025
53 E-1-50503  154 E=4201004  251NTW=90202
65 N+1-420403  163 W+1170504  26Avge  502
72NTS-1100753  17Avge  501  272 E+3150172
8Avge  503  182 S=-110401  284 W-3-15092
93 xN=-53027  195 W=600501 
105 W=650607  202 N-1100501 
45.07% 5th 
 
5 E-W DEB DRIVER & SALLY JEPSON THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
13NTN+2-460203  114 E-2-100174  21Avge  502
2Avge  503  124 xE-3-50004  222 W+1110402
33 W-1-100253  133 E+3170201  232NTE+2180922
42NTN=-120303  144 S=-420121  244 E=420792
54 N=-130127  152 W+2170421  253 W+1170896
63NTN+2-460127  163 W=140341  264 E+1650996
72 N-1100757  174 S+1-450405  275 E=400756
84 W+1150897  184 S-1100705  283NTW-2-100346
93NTN-150794  195 W+1620755 
103 W+220024  204 S=-13005 
44.42% 6th 
 
6 E-W ROSLYN GREEN & CAROLINE VINCENT THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
12NTN+1-150997  112 S-150671  214 E=420406
24 E+2480207  124 E-1-50421  221NTW+1120796
34 E-1-100257  133NTW=600505  233NTE-1-100176
42 S=-110607  143NTN-2100895  244 W=420796
54 N=-130124  152 W+2170425  25Avge  503
6Avge  504  164 S+1-15005  264 E=620793
73 S+3-170344  174 S+1-450402  272 E+3150173
82 N+1-140204  183NTS=-600202  282 E=90673
93NTN-2100991  194 W+1150172 
104 W+2680991  202 N+1-110172 
46.99% 4th 
 
7 E-W ANDREW CHARTIER & GARRY LAISHLEY THURSDAY 22ND OCTOBER 2026
THURSDAY INTERMEDIATE TOP = 6
BRDCONTSCORE%OPPBRDCONTSCORE%OPPBRDCONTSCORE %OPP
1Avge  504  112 E=110845  214 E+1450793
26 E=980794  123 N-2200675  221NTW+2150993
34 E=6201004  132 E+213022  233 E+1170673
43NTN-2200994  142 S+2-170402  244 E=420793
53 E+1130791  153 W+1170422  252 W+1140607
63NTN+2-460121  163 xW+211301002  263 W+2200407
73NTS=-600171  174 N+1-450406  274NTW+14601007
83 E+2150891  183NTS+1-63026  283NTW-1-50507
93NTN+1-430205  193NTW+16301006 
10Avge  505  204 S-2200846 
62.37% 1st0.10 masterpoints