The main issue was that at the time the "Effect on balance by account type" figure was reversed / incorrect, and so the example was just not making sense. Readi

The main issue was that at the time the "Effect on balance by account type" figure was reversed / incorrect, and so the example was just not making sense. Reading on further and again I realized it was not the example but that figure that was wrong. I see that you fixed that now. Thanks.