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I have $30 in my account just sitting around too. I really don't understand ED's logic on this subject. They claim that you can use a max of 30% (though typically only 20%) of the total purchase price with bonus cash. So why does it matter is it's discounted already? If it's discounted at only 13%, then let me use an additional 7-17% with bonus cash. You're still going to get the same amount of money in the end.

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