I just send in the offer without looking at this, and then if it is rejected for this reason, I'll look at it and usually offer as much as I can, as allowed by my board. About 1 in 5 times I have to make a wage contribution.
Also, it depends on my club. If I'm at a BSP/BSS club, I'm not likely to make a contribution. If I'm in the Championship loaning from the Premiership, I'm more likely to make the contribution rather than withdraw the offer.
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