The dividend can be approximated and adjusted as needed. That handles the diminutions aspect of the gap. The compensated retail discount handles THE ENTIRETY OF EXCESS COSTS for the period in other words all costs more than the the cost of initial and immediate production/service which including all financial costs (interest), waste, redundancy, asset inflation and depreciation could easily make the discount upward of 45-50%. This is consistent with Douglas’s insight that the cost of production is the cost at its initial creation. As the totality of the discount is rebated back to participating retail merchants where all costs for any item is terminally summed the various types of enterprise including banks (whose retail product is Debt/Loans and various other (legitimate non-destabilizing) products and services….profit making systems can still survive and thrive….while the cost of consumption falls until….ultimately….money evolves into an utterly gracious ticketing system for the distribution of the abundant production made available by human ingenuity and creativity, and its technological expression.