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Period now starts at startOfMonth of the first month in the interval, not 30 days before the deadline. For monthly: Feb 1 → Feb 28. For quarterly: Jan 1 → Mar 31. Formula: startOfMonth(nextDate - (interval-1) months). Feb 20 with next check-in Feb 28: 19/27 days ≈ 70% instead of 0%. Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>