The council document said following more detailed investigations a "variation" - or difference between the agreed price list, called the the "schedule of rates" - and the actual amount charged by MITIE was found.

BBC: Birmingham Council House

This optional monthly payment program, called Fidelity Smart Payment Program, uses quantitative analysis to determine a schedule of annual target payment rates, with a goal of not running out of money before the target date is achieved.

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Past research has indicated that circadian clocks govern physiological rhythms in many parts of the body and that the different parts can adjust to schedule changes at different rates.

ECONOMIST: Biology: Go west, old man | The

As a result, the cardmembers can schedule their payments accordingly leading to either (i) sooner settlement of loans in case of an impending rise in rates, or (ii) a delayed settlement of loans in case of a decline in interest rates.

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