Ok... Last try. Put your thinking cap on Padrinogtr!  
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Analogy:
Here's the very best and easiest way I can explain it using something that we should all be familiar with: Employment

*** Does anyone remember when employers used to hold your first week's paycheck?!

Due to this payout method, you were always technically a paycheck behind, but you never lost any money in the deal since they were just delaying it slightly, and even after you left the job, you still could count on having another paycheck that you were owed from when they held your first week's pay.

Now, imagine that they didn't hold your entire first check; just 4/5 of it. Then, each payday that rolls around afterward, they withhold less (3/5) and less (2/5) of each new paycheck until after five (5) paydays, you are now receiving your entire paycheck. In the back of your mind, though, you know that even if you left, you'd still have all that back-pay coming to you.
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It's up to you now Padrinogtr. Good luck!
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