It's gone sooner, but also predictably. I have a spreadsheet with when each of my bills goes out and for how much, from which I can calculate the amount that I absolutely must have in my account at any given time of month. WW's billpay changed a while ago so that they dont' always pre-deduct, so now I have no idea how many more bills I need to allow for without going through my statement to see which checks have been cashed.