The short version, for anyone who has not been following closely.
Most people meet this once and never think about it again, which is exactly why it is worth reading up on.
What to check first
The exceptions matter more than the rule, and there are three of them. There is a deadline involved, and missing it costs more than the difference.
The exceptions
The exceptions matter more than the rule, and there are three of them. Nobody is required to explain this to you, which is half the problem.
The short answer: check the date, then check the figure, then decide.
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