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Collections are a way for you to organize kata so that you can create your own training routines. Every collection you create is public and automatically sharable with other warriors. After you have added a few kata to a collection you and others can train on the kata contained within the collection.
Get started now by creating a new collection.
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I agree with most people here that this was poorly worded. I spent a good hour trying to get the remaining balance right. I knew there was something wrong with the percentage increments "every two months". It increases in the 2nd month AFTER the calculation to decrease the prices of the cars.