Each bar steps down from revenue through the cost layers to net operating income, and each cost bar is split against its standard: the blue portion is what the standards say this month's volume and revenue should have cost, red is the excess on top. Grey is spend with no standard behind it — Operational and Corporate Overhead have none yet, and Direct Fixed COGS is benchmarked only on insurance, R&M and dispatch pay. Hover a bar for the breakdown.

Each layer is charted separately so its own movement is visible — on a single shared axis these three sit at very different levels and every line reads as flat. Panels are not directly comparable in height; the axis range is printed on each. Hover any panel for the month's figure.

Each category can be smoothed differently for the Normalized view. Actual = real cash as booked · Annual Spread = known annual amount ÷ 12 · Rolling Avg = trailing N-month average · Annualize YTD = year-to-date ÷ months elapsed. Categories not listed use Actual.

With an APR set on the Financing sheet, the loan amortizes: payments left, interest remaining and the balance all come from the schedule rather than the stated term. Two structures are handled and auto-detected from whether QuickBooks books the same principal every month — constant principal (the Mercantile Commercial Term Variable notes) holds principal fixed and lets the payment decline, so the payoff comes from balance ÷ principal and the stated maturity is an outside date; fixed payment (GM, Mitsubishi, Toyota) holds the payment constant and derives the payoff from the balance. Balances are rolled forward from their Balance As Of date, so a stale figure is corrected rather than trusted. Notes are grouped by lender, and a group billed on one combined statement says so.

Expected = sum of band rates across the miles driven during our ownership (from each vehicle's acquisition baseline, not from 0 — so used vehicles aren't charged for miles the prior owner put on them). Over/Under compares lifetime actual spend to that ownership-window expected. Click a column header to sort. B1–B5 = mileage band (year of life). ▸ marks vehicles bought used (hover for the acquisition mileage and ownership window).

Each dot is a vehicle at its current mileage. A dot on the line spent exactly to standard; above = over, below = under. Used vehicles (hollow) start partway up the curve at their acquisition point, so they're judged only on miles we've owned them. Hover any dot for detail.