The PWA is pretty clear how pay works on an anniversary month for lineholders, but I am very unclear on how it works for reserve. My anniversary is very early in the month, and I only have x days before it. Is my reserve guarantee just pro-rated between the two rates depending on which day of the month my anniversary is? Any effect depending on when my x-days are? I have GS credit both before and after the anniversary, is before paid out straight at the lower rate, and after at the higher, or is that pro-rated between the two? Thanks!