Yeah, I knew I shouldn't have said "So Owner B, when FA is done, has 40m in leftover payroll". When I've been caught in the FA bidding I mentioned, I usually find a way to spend a signficant portion of that 40m. When I realized the 23m I had in FA wasn't going to get the player I coveted, I spent 10m on 3 different players. So I've got 13m left now. In all probability, that will turn into 6m in prospect.
But I don't know if that holds true for all owners.