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.
You’re giving up a one time 50kish max for software that already exists out of a few billion to fix a clear problem. Just because there’s not much premium currently does not mean that will always be true. It’s not near the top of my list either but it’s a fairly inexpensive fix.