A fair question! I've been through the numbers several times. $50,238 spent in 2023 through November 23, backing out the $95 annual fee and the $155 on the January statement representing purchases in 2022. This represents actual payments made. Now I did prepay a January charge of about $22,000 before the January statement hit. Yes, that charge was incurred on January 17, 2023, not in the previous year. But could this pre-payment be throwing things off?