Hey SteamTrain! Thanks for your response. Yes, I agree, a $3 penalty isn't a big deal, but I wanted to understand why. In my particular case, there wasn't a large chunk of $ that came in at 1 time, I just have trouble w/ the payments being due after 3 months, 2 months, 3 months, and then 4 months, so I do all of mine after 3 months. Again, a $3 penalty is good for my own peace of mind. Thanks!
