This summary is not the rule. The rule text controls.
Lawyers earn credit hours by attending continuing education programs, but only if those programs have been approved by the MCLEC. Not every class or seminar counts, so lawyers need to check that a program has approval before assuming it will meet their requirement.
The rule also covers what happens if a lawyer earns more hours than they need in a given year. Those extra hours don't just disappear, but they also don't stack up forever. A lawyer can carry extra credits forward, but only into the very next year. After that, the extra hours can't be used anymore. This means lawyers should plan their education year by year instead of trying to bank a large surplus for the future.