diff --git a/README b/README
index ad13cd0..1814e6d 100644
--- a/README
+++ b/README
@@ -3,7 +3,9 @@ TODO:
 CONSIDER in code:
     * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better
         - it kicks in after pay stops, and could be paid monthly say, but it is higher than if we pay yearly (I think)
-    * altering CBA share price / by likely annual changes -- speculative but also significant enough to make a difference
+    * could try to get smarter with +6 fortnights at end -> as it also ends in different car repayments for 6 fortnights
+    * could make bills be paid quarterly rather than as 'daily' living expenses
+        - also could be more painful with bill increases, they seem to go up more than CPI
 
 CONSIDER in real-world:
     * moving > $250k into say ING, then rabo-bank -- 4 months interest higher in each -- maybe to another provider after that