Fixed fees create drag
A fixed wire charge consumes a larger percentage of a small transfer than a large transfer. Repeating that fee every month can materially change annual funding cost.
Model, do not pretend
Correspondent deductions and FX spreads may not be known in advance. CIL keeps them as explicit assumptions rather than silently treating them as zero.
Use CIL
Run the Funding Frequency Comparison, then choose a cadence based on your own cash flow, timing preferences and costs.
Before marking this stage complete
Make sure you understand the concept and have checked any live information that applies to your own situation. Completion in CIL is a personal progress marker, not verification by CIL.