diff --git a/TODO b/TODO
index 54919bc..c1e6dbd 100644
--- a/TODO
+++ b/TODO
@@ -1,8 +1,27 @@
-For bills, there is too much to guess, need to ask:
-    frequency:
-        then I could work out growth rate
-
-
+For bills:
+    * using frequency and known bills fill in missing gaps
+      -- need to add to DB whether the bill was added manually or auto-flled in (so if we want, we can re-calc. based on growth calc change as we add more real bills over time?)
+    * 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
+         - ANN: flat, min, avg, max, manual
+         - QTR: flat, qtrly: min/avg/max/manual, annual: min/avg/max/manual
+         - MON: flat, monthly: min/avg/max/manual, annual: min/avg/max/manual
+      -- use this logic to add missing bills (date):
+           -- ANN: missing annual bill, find date based on MM-DD and add new year - given we start with first_bill anyway, will only be used for future bill predictions
+           -- QTR: missing quarterly bill, find date based on MM-DD and ??? - can have missing bilsl in first year
+           -- MON: missing monthly bills, find date based on DD and put in each missing month 
+      -- use this logic to add missing bills (amount):
+           -- ANN: future only, so add ann_growth (based on drop-down) for each future year
+           -- QTR: add growth (based on drop-down) for each future year
+           -- MON: add growth (based on drop-down) for each future year 
+    * once auto-filled bills exist:
+        - calc growth [DONE]
+          -- WARNING: could be chicken/egg here, if not enough bills to calc growth - maybe only offer flat/manual until there are enough??
+        - project out to I am 60
+            - probably need to allow a toggle to: allow show manual, show auto-filled past, show auto-filled future, show all
+        - 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
 
 MUCH LONGER/HARDER:
     potentially for each bill_type, there are unique extras - e.g. THIS feels too hard: