Eberhard,

> My malpractice insurance gives me a discount if I consult up to 22
> hours per week in a 3 months period.

i wonder if you might add up the number of hours worked over the (92
(?))  days of November, December, January, divide by that number of
days, then divide by seven?  that would be, obviously, a bit of an
approximation.  but, it's not clear exactly how exact the insurance
company wants.

cheers, Greg

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