This inefficiency occurs when Savings Plans are purchased within the final days of a calendar month, reducing or eliminating the ability to reverse the purchase if errors are discovered. Because the refund window is constrained to both a 7-day period and the same month, late-month purchases materially limit correction options. This increases the risk of locking in misaligned commitments (e.g., incorrect scope, amount, or term), which can lead to sustained underutilization and unnecessary long-term spend.