The short version, for anyone who has not been following closely.
Ask around and you will get a different answer every time, so here is the short version.
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.
Where to go from here
There is a deadline involved, and missing it costs more than the difference. Most of the confusion comes from two terms that sound alike and mean different things.
The short answer: check the date, then check the figure, then decide.