diff --git a/docs/TermsOfResourceProcurement.md b/docs/TermsOfResourceProcurement.md
index e5fefe4..627e78d 100644
--- a/docs/TermsOfResourceProcurement.md
+++ b/docs/TermsOfResourceProcurement.md
@@ -29,6 +29,12 @@ accounts so each can develop as a **profit center** under the umbrella
 company. Railiance procures and manages IT resources for the group. The other
 centers consume those resources on published internal terms.
 
+A center that cannot settle is not treated as a permanent draw on the
+group. The credit facility in [§ 11](#11-credit-interest-and-restricted-consumption)
+caps further exposure and gradually restricts consumption, so an unprofitable
+center must improve market access, offerings, and pricing — or fade as its
+allowance shrinks. It is not killed on the first missed settlement.
+
 `resource-control` is the control plane that makes that arrangement operable:
 
 - every expense, estimate, usage observation, and expense evaluation belongs
@@ -429,6 +435,28 @@ does not generate a payment instruction to itself.
 This facility is internal working capital from Railiance to the other
 centers. It is not a bank loan and not an external credit line.
 
+### 11.0 Purpose of the restriction
+
+The default limit and the restricted allowance exist to **bound group risk
+when a profit center degenerates into a cost center**.
+
+A center that does not earn enough to settle with Railiance is not
+terminated on the first overdue statement, and it is not allowed to keep
+drawing resources without limit. Outstanding may remain outstanding for as
+long as needed. New consumption is strangled: first by the €1 000 trigger,
+then by the €50 monthly cap, then a little more each month as 5 % annual
+interest takes a slice of that cap.
+
+That residual room is deliberate. At the default limit the center still has
+about €45.83 of transfer-price consumption per month — enough to keep a
+thin operation alive while it improves market access, offerings, and
+pricing, not enough to grow at the group's expense. A center that does not
+recover will fade toward irrelevance as interest compounds on the overdue
+balance and the usable allowance stays small.
+
+Human authority may still kill, recapitalize, or waive. These terms only
+automate the squeeze, not the sentence.
+
 ### 11.1 Parameters (V0.1 default)
 
 | Parameter | Default | Notes |
@@ -436,10 +464,10 @@ centers. It is not a bank loan and not an external credit line.
 | Credit limit | **€1 000.00** | Per consuming entity. A named entity may be granted a different limit by human financial authority. |
 | Payment term | **10 calendar days** | After statement date. |
 | Extension | **unlimited in time** | An overdue balance is not time-barred by these terms. |
-| Interest | **5 % per year** | Applied to overdue outstanding. See open question OQ-1. |
+| Interest | **5 % per year** | Confirmed 2026-08-14 (OQ-1). Applied to overdue outstanding. |
 | Interest convention | simple, monthly | `interest = overdue × 0.05 / 12` at each subsequent month-end close, on the overdue principal (and previously capitalized interest if any remains unpaid). |
 | Restricted monthly consumption | **€50.00** transfer price | Applies when outstanding ≥ credit limit. |
-| Restricted allowance | `max(0, 50.00 − interest_this_month)` | New resource consumption, not a waiver of interest. |
+| Restricted allowance | `max(0, 50.00 − interest_this_month)` | New resource consumption, not a waiver of interest. Leaves a thin residual at the default limit so the center is squeezed, not frozen. |
 
 Railiance as self-consumer has no credit limit under these terms.
 External provider credit is a provider-contract concern.
@@ -675,9 +703,16 @@ list.
 
 ## 17. Open questions for later versions
 
+### Resolved
+
+| ID | Resolution | Date |
+| --- | --- | --- |
+| OQ-1 | **5 % per year**, not per month. Monthly 5 % would zero the €50 allowance at the default €1 000 limit and freeze the center. The annual rate is part of the squeeze: at the default limit the center keeps a thin residual (~€45.83 transfer price) so it can try to recover rather than being cut off. | 2026-08-14 |
+
+### Still open
+
 | ID | Question | V0.1 stance |
 | --- | --- | --- |
-| OQ-1 | Is 5 % interest annual or monthly? Annual is the V0.1 reading (commercial convention). Monthly 5 % would zero the €50 allowance at the default €1 000 limit (`1000 × 0.05 = 50`). Confirm. | 5 % per annum |
 | OQ-2 | Should committed provider terms (domains, reserved instances) be cancellable automatically in restricted mode? | No; flag for human decision |
 | OQ-3 | Should markup apply to labor, or only to provider cash cost? | Labor is in delivered cost, therefore marked up |
 | OQ-4 | Should Binky, as umbrella, pay markup to Railiance, or receive platform services at cost? | Binky pays markup; elimination is accounting |
@@ -723,3 +758,4 @@ list.
 | Version | Date | Change |
 | --- | --- | --- |
 | V0.1 | 2026-08-14 | Initial baseline: six financial entities; Railiance procures and manages; cost plus 20 %; monthly settlement; 10-day payment; 5 % p.a. interest with unlimited extension; €1 000 default credit limit; restricted consumption €50/month minus monthly interest. |
+| V0.1 | 2026-08-14 | OQ-1 confirmed: interest is 5 % per year. Documented the restriction as a risk bound and a gradual squeeze on centers that degenerate into cost centers — not an instant kill. |