Penalties are as follows:
From 0 to 30%, there's no penalty.
From 30% to 39%, there's a 10% penalty.
From 39% to 47%, there's a 20% penalty.
From 47% to 54%, there's a 30% penalty.
From 54% to 66%, there's a 40% penalty.
From 66% to 126%, there's a 50% penalty.
You can't get more than 126% from...