diff --git a/TODO b/TODO
index 00c2fc4..7acfd50 100644
--- a/TODO
+++ b/TODO
@@ -1,18 +1,17 @@
 UI:
 
 For bills:
-   * might need to be able to mark a specific bill as an outlier - so we ignore the data somehow (think Gas is messing with my bills)
-
     * estimate future bills/growth:
         [DONE] - calculate pragmatic min/avg/max/simple
         - need to handle future only bills (like health insurance which only kicks in when I quit)
-            - might all work - validate why future seems to jump in 2026, but not 27+
-            - seems specifically 27->28 is way too small compare to growth in
-              other years, does not seem likely, but maybe qtr timing? (by then they should all be est. though)
+            - could work by guessing start dates of bills for now (hack); OR
+            - we put some smarts in so they future bills have a base and kick in the date I quit
         - remove bills from Living_Expenses (carefully - but by hand)
         - fold future bills into calc so they are taken out in a more time and growth appropriate way
         - inflation can then be put to a more realistic quarterly figure
 
+    * might need to be able to mark a specific bill as an outlier - so we ignore the data somehow (think Gas is messing with my bills)
+
 LONGER/HARDER:
     * need to work out 'first bill' and 'last bill' to auto-fill missing bills based on
       -- all missing bills follow varying growth models & its by choice -- therefore I need this in DB