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Nice !

I'd like to see it closer to 100%, is that bad? My children accuse me of being too hard on them, LOL

Closer to 100% would be nice (too).

What I can see is that the payment for MN is always 10%.
It should not be 20%? For the real payment.
Well I think is easy to change...

While you're at it, why not 30%? lol