I have decided to start to making one cashout a month from my bankroll equal to 50% of whatever the total of my winnings plus rakeback/rewards are. How should I adjust my bankroll calculations to account for this? Should I halve the winrate I am using to calculate my minimum bankroll since once a month half the money leaves my bankroll or should I use my actual winrate in PT4 and just drop down to whatever stakes the remaining balance is an adequate bankroll for?