diff --git a/TODO b/TODO
index 453af88..96b0367 100644
--- a/TODO
+++ b/TODO
@@ -1,7 +1,16 @@
 UI:
 
 For bills:
+   * to use future bills need to fix rates growth:
+    - rates are really: qtrly fixed with annual growth
+    - gas/elec/water are really: qtrly seasonal with annual growth
+
+    * 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)
         - 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