Oh FFS- this is chat forum not a policy contract...subtract 3% then...just passing on info (with a caveat) that guys might be interested in
I mean if you are such a stickler for contractual details, presumably anything over step - you gave back ...after all it's not in your contact. Right?
Or better yet - copy and paste my post - and actually take the time to break down the numbers and repost with step or lack thereof.
I hold no IP liability against you 🤔👍