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[seanf12]

That makes sense, thanks!

I don’t have the cash on hand to pay below the 47% threshold, but based on my math I do have the cash to get below the 67% threshold

[Anonymous]

Total utilization matters even more than individual utilization, so once you can get all accounts to under 67%, see if you can lower your total utilization below 48.99% or even 28.99%.