{ # closure for qm
	
	# build lookup hash
	my $point_step   = 2000;
	my $point_max    = 18000;
	my $quota_offset = 15;
	
	my %quota;

	foreach my $p ( 1..$point_max/$point_step )
	{	
		$quota{$p} = $p + $quota_offset;
	}
	
	sub qm
	{
		my ($points, $quota) = @_;
	
		# $points-1 handles "less than but not equal"
		$points = int(($points-1)/$point_step);
		if ( exists( $quota{$points} )
		 and ( $quota < $quota{$points} ) )
		{
			return $quota{$points};
		}
		else
		{
			return 15;
		}
	} # sub qm
} # closure qm