The 3 golden days if they fall on a day of a reserve line that works, you don't have to make them up, but you pay for them with user time. You can call and work them elsewhere to save usertime. As for vacation, you'll pay 4:12 per workday missed due to vacation, regardless of what you set the rate to.
So realistically to save vacation, you wanna bid the reserve line with the least amount of workdays within the vacation period if that make sense
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