It is less complicated than it looks, once the terms are clear.
Most people meet this once and never think about it again, which is exactly why it is worth reading up on.
What it costs
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.
Where the confusion starts
The figures move about, but the direction has been the same for three years. The practical effect is easier to see in a single example than in a summary.
Where to go from here
Most of the confusion comes from two terms that sound alike and mean different things. There is a deadline involved, and missing it costs more than the difference.
None of this is urgent, but it is worth an hour before the next renewal.
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