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Contractually when a new scheme / option is borned, logicall...

Contractually when a new scheme / option is borned, logically speaking it will take effect from that point onwards right. How to backtrack until day of car issue and re-do the sum calculation. Thats being unreasonable. Consumers are too creative to be desired.
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    Learning and hopefully profiteering along the way... Hee Hee
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