Ok good, that means the way I've been doing it up until this point was correct lol.
1.5 * (1+(.15+.25+.15+.05))=2.4
and with the T4 mod it should be 2.475 = 2.5
So, if there's no cap, and this method is correct, then you should see 2.5 (because thus far it seem like they do round the result from .x5 or greater to .y)



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