To initially determine if you are ready for the Retentions Regime, you should complete the below calculation at home:

Lowest bank balance at any point during the month	$
Add - other true liquid assets (likely to be zero)	+$
Deduct - cash security pledged for performance bonds	-$
Deduct - retentions payable (old plus new)	-$
Equals balance	$

If your balance is negative, you may not be as prepared as you could be for the Rententions Regime.