Wow, this is awesome. I like the concept of your "gnome". It's really illuminating.

With the credit, I find it doesn't have to be exactly equal myself - sometimes 70/30 is ok (in one direction or another) with some people sometimes (maybe when you have big reserves stored up in general and so can "lend" a bit more). But it definitely can't be all one way or nothing in the other, or getting into deficit.