yup

with the percentage, basially what happens is that c'lin/fao have a max amount they pay (i think it's 3.12 or something per hour) - you get your percentage of that paid (so 68%of 3.12) - if the cc charges more, you pay the diff on top of that percentage

due to you studying and DP working, you'll get half of your out of pocket costs rebated each quarter