1. Income is distributed from highest priority (10) to lowest (1), followed by cap ascending (nils last).

2. If prerequisite_account is set, and that account's amount < cap, then skip this account.

3. If add_per_month is a percentage, this indicates a % amount remaining at the start of that priority level, not a % of the total income value. This amount will be distributed into the account.

4. add_per_month distribution shall not exceed the monthly_cap on that account for the month. (only applies to the % version of add_per_month).

5. add_per_month distribution shall not exceed the annual_cap on that account for the calendar year (Jan 1 to Dec 31).

6. add_per_month distribution shall not exceed the cap on that account.

7. Overflow beyond an account's cap or annual_cap that would have otherwise satisfied the account's monthly_cap can be distributed into that account's overflow_into. If there is no monthly_cap on the account, then any amount beyond the cap that remains in add_per_month can be distributed into the overflow_into. These overflowed amounts do count towards monthly_cap and annual_cap values for the overflowed_into account.

8. The rules for an overflow_into's cap, monthly_cap, and annual_cap values apply. Any additional overflow for these caps should then continue overflowing to the next overflow_into until either the total original add_per_month amount has been exhausted, or a cap is reached with no overflow_into specified.

9. If an account fulfills the cap in all overflows and still has some amount from add_per_month remaining, it will distribute the remaining amount into any accounts that had this one as a prerequisite_account with a priority >= this one's, in the same order as step (1), using the same distribution rules with the exception of rule 9b.

9b. The new distribution will look at "percentage" add_per_month accounts and distribute into them a % amount based on what that account would have received at it's priority level if it had not been originally skipped, during this distribution.

10. Any funds remaining after complete distribution has been completed will be placed in User#undistributed_funds

11. It skips all disabled accounts for distribution

NOTE: An alternate date can be selected for the 'Income'. annual_cap and monthly_cap rules use the specified date (or "Today" if not specified) when determining distribution.