this is an important observation on rates -- IMO a typical way to cheat at the executive levels is to state as fact some rate or charge in a long overview with

this is an important observation on rates -- IMO a typical way to cheat at the executive levels is to state as fact some rate or charge in a long overview with many other details. Then, when that rate or charge is implemented, away from oversight and review, actual charges are not the same, due to "special fees" or categories. This practice is far older than digital record keeping.