## How to Interpret Monetary Values in Responses:

### Monthly-rate Endpoints
(e.g. `/commitments`, `/commitment-plans`, `/commitments/summary`, `/metrics/overview`, `/moneyback-guarantees/savings`):

- Monetary fields are **monthly rates** based on a 730-hour month (8760 hours / 12 months — an annual-average month, NOT a calendar month, which varies 672-744 hours). A field labeled "monthly" reflects a per-730-hour figure, not a specific calendar month's total.

### Aggregated Metrics / Time-Series Endpoints
(e.g. `/metrics/daily-savings`, `/metrics/daily-reservable-cost`, `/commitments/metrics`):

- Top-level monetary fields are **sums over the requested date range**, and values in `daily` rows are **sums for that day**. Neither is a monthly rate; magnitude scales with range length.

### Commitment Upfront Cost
(top-level on individual commitments, plans, and plan line items — a sibling of `commitment_financials_monthly_rate`):

- **One-time total dollars** paid at signing — not a rate. Do not sum with monthly-rate fields. Omitted on aggregates (summary, metrics, invoices) where a summed upfront is not meaningful.