diff --git a/README b/README
index 03883f6..bab1c12 100644
--- a/README
+++ b/README
@@ -1,4 +1,9 @@
 TODO:
+    * factor car lease in better.  Seems cost will be $2412/month, likely paid 15th of each month
+      - am getting a pay-out figure, so can do the math and see which is 'better'
+      - if I move to this new structure, it covers lease and insurage, but nothing else - so need to at least include rego
+      so likely... pay Car_lease up to D_quit, then 2412 / 15th each month, rego for 2025/11/15 + (2026/11/15, etc)
+      -- NOTING see TODO in code where I fudge a fornightly payment for Car lease after I quit (for now)
 
 CONSIDER in code:
     * when we time the payment of GMHBA / HCF (and at what cadence) and include it in calcs better