关键是，如果你现在不申领这笔钱，你可能永远也拿不到。

___The ___point is, if you don't claim the money now you might never get it.

我觉得她没有理解你说话的重点。

I think she missed ___the ___point of what you were saying.

我以为他永远也说不到点子上。

I thought he was never going to get to ___the ___point.