Yes, I know that's how it was explained. That's why I was surprised by their response. I've followed up for clarification. The response isn't crystal clear is it.

Basically, they've said 'the referral payments do not take away from the pool that goes to regular PP payments', so on that basis, Susan should get $5 (less Medium fees), and medium is funding the bonus payments. I've asked that directly. Whether the answer is any clearer remains to be seen.