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BTW there's 3 things they bill you for:
1) Discount
2) Reserve
3) Fees
Your daily deposits are the total you billed customers minus your discount and your reserve. Once they have whatever reserve you agreed on, (usually 10% for 6 months) they will "cap" it and stop witholding that, and your daily deposits will only be missing the discount rate.
The withdrawal you get at month's end is the fees, which TBH are hard to assess before the month is over anyway.
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