When customers opt to use either All Upfront or Partial Upfront Savings Plans or Reserved Instances, ProsperOps creates quarterly capital budgets that forecast the amount of upfront capital required -- in addition to incremental savings. These budgets include a detailed analysis taking into account the discount rate of the underlying instruments, anticipated growth, and timing of purchases. These prepay budgets are created before a given quarter starts and must be approved by you before the ProsperOps service deploys any upfront commitments.