I have yet to be proven wrong on what I remember vs other and I can tell you that what Bob posted was an early version. We used 25% as a default when nothing was known. The real issues that are surfacing now are the acuracy of the 'what we know' in ITB-land.

V.2's two biggest changes were the % for FWD instead of a set number and the evidentiary and documentary standards applied to 'what we know'.

V.2 solves all these effing issues people.