You could average 90 hours of straight time per month and not have any IMAX issues but the way an IMAX person would use it is have a low month or two (typically while on reserve to get a normal paycheck) then get to a point where they credit a lot (typically in a FAR MAX month like July / August) which creates a negative or very low IMAX for that person which means they can solve PBS with a blank line / or reserve and be unassignable. Then the pilot can pick up premium which is pay, no credit or just enjoy your month(s) off.

Monthly MAX are usually between about 92 and 111 (and sometimes FAR MAX, ie. FAR 117 legal). You can pick up a posted trip someone wants to drop and go above your Monthly MAX if you're trying to compile credit in a MMAX limited month.

For reserve, you can pick up OG (pay no credit) as long as the trip touches an off day but it relatively few and far between. The company can't assign you a trip if it takes you above 85 hours that reserve month. The catch is if you have reserve days that cross bid months, you could get a trip on the last day if it doesn't credit much on day 1. (i.e. you could be at 82 hours and safe, but they get a trip that only has 1 two hour leg on day 1 and the rest of the trip is the following bid month).