The income and expenses are calculated from a total of the map actions for a calendar month. So if the actions start in the middle of the month, any expenses that occur before that won't show up the first time in the graph. So that's why the I&E charts tend to ramp up at the beginning. Also, another thing that can affect the expense balance on the chart is the grace period on the consolidation credit card. Once those 2 items have settled down, the expense line on the chart stops fluctuating and remains constant. The way the graph looks at things is different than the way you and i look at things. The graph, when talking about expenses, is showing you a snapshot of historic patterns in spending. If the month of May has 5 Fridays, 5 Saturdays, and 5 Sundays and a client has weekly expenses on Fridays and Saturdays then the spending for the month of May will be inflated . So historically the graph will show a sudden peak in expenses because for that month, the month of May, there was a higher spending pattern recognized from the typical 4 week month. The graph has nothing to do with the results of the program so if it looks weird, try and understand that it has a different mind than we do and focus on what's important in the program.