As some people have mentioned, the budget transfer thing wasn't a part of HBD to start. I don't think admin envisioned mass transferals of cash to prospect when they instituted budget transfers. Some people (myself included) use budget transfers to give themselves a massive amount of prospect cash, thereby driving up the price of IFAs, and driving about two thirds of owners away from the IFA process. IMO, something needs to be done to make the IFA process more inclusive, and to prevent super-cheap juggernaut teams from occurring.