Blog 1 established what your estate can safely commit: the Minimum Commitment Threshold, and the ladder above it. This post adds the second metric — the Effective Savings Rate, the number the whole series is denominated in — shows that it decomposes into two independent factors, coverage and discount, and derives the three levers that move them. By the end you will be able to tell whether your savings gap is structural, an execution gap, or a pricing gap — and what one point of it is worth in dollars.