I am well aware of how it works. What I said is that the incentives to offer more than what they are legally required to offer by the IDB regulations (which doe

I am well aware of how it works. What I said is that the incentives to offer more than what they are legally required to offer by the IDB regulations (which does have an upper limit) are significantly lessened since the IDB rules give them a "get out of contract free" card for that amount.