Originally Posted by
Flaps50
...and then you get to bank it with a 50% shelf life and a 1 month look back and forward for 100% of the bank. That is considerably better than current book IMO.
I'm not following the "shelf life" / 100% point you're making.
The way I read it, if you have excess bank at the end of May, the first thing that happens is that excess amount gets cut by 50%.
THEN, that 50% number is available to offset expenses that weren't covered in April. Whatever remains of the 50% after that gets added to Jun and the process repeats.
The only month 100% of the bank can be used in is the current month. Once you start applying any excess to a previous or subsequent month, that excess is cut by 50% before you start.