Originally Posted by dracir1

In theory, you are correct.

However, we all know that's an impossible feat. No way anyone (not mgt, me or you) can perfectly predict the amount of reserve use/sick/weather coverage a month ahead of time (or even a week or a few days). Premium is used after all else and does happen from time to time. For us, we've seen, it's not often. But lets not ignore it as an area for improvement.

I just don't want to give up true capital to get something the masses want more.