OK, I think I get it. The calcs aren't done once per account balance value - each calc is done independently before it's action is taken.

So bottom line I have to choose - either take the $586 and party, leaving M/R as is; or put the party off until later and increase M/R to whatever Tests CR = $1.414. Correct?

Also the 2nd point: Per prior thread, if capital is removed any withdrawals done prior are pro-rata'd, since part of those withdrawals relates to capital no longer present. Also correct?

Thanks.