I am not technical but I think there is an order of business here where the RCs had to be implemented first to understand the costs of each transaction. Once that is known, developers all round can guesstimate their needs. I also think it gives time to collect account credits without as much distraction from other factors. I can't say if I am right but there is opportunity here for all.
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Thank you for the further information and explanation. I am not technical either so no worries (ps... you sounded mighty technical to me) :)
And I will be super excited if they get the right balance... and I do like to see your enthusiasm, it can be infectious if they make the adjustments you suggested are coming!
Thanks again!