We want to see credit utilization at the time of each transaction. The transaction table has customer, date and amount; the limit-change table records each limit change with its effective date and new limit. Customer 101 had a 10K limit from January 1, raised to 20K on March 15; they spent 5,000 on March 10 and another 5,000 on March 20. How do you match the right limit to each transaction, and what pitfalls worry you most?