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is there another account-wide-monthly budget amount somewhere I don't know about?
It may depend on your payment method and the structure of your agreement - but I have two budgets - an overall account budget (which is set-up by Google) and a daily budget (which is controlled by me within the account).
I wonder if my leasing company will turn up one night and take all our gear away to review our account for some indeterminate period too..
So maybe it's not all bad getting a review :)