Hi there.
I'm very sorry your issue has sat here for so long without a response.
Us volunteers are a little on the burnt-out side right now! That's not an excuse, though, but let's see if we can make some progress, if you're still around after all this time...
Tysok provided some excellent information. I'm not clear whether that answered your question. If not, can you let me know what else you were looking for?
Regarding the issue of teams running in the red... I can log this issue as a bug, TT 3838. Do you happen to have posts or data or other "evidence" that I could provide along with the issue?
Thanks,
Steve