@Galen Gonzalez I noticed that you used 48.5% as the EXP Ratio, because it was given in the parenthesis (page11). After going back and forth with the number I realized that the breakdown of the expenses doesn't add up to 48.5% EXP Ratio, I actually get something lower. In this case, when numbers to match what is the best thing to do? Ask the seller for more details?