Code: 
I?m happy that you are testing netload!  Regarding your questions:
Q1: It mean earnings which you already got 30 to 89 days ago.
Q2: From this earning we block 80% and 20% are already free and calculcated to your avaiable balance.
Lets give you an example. You earn 10 USD since 100 days, so 1000 USD
Than:
The 5 last days are blocked by 100% (40USD)
5to 14 days are blocked by 100% (100USD)
15 to 29 days are blocked by 90% (135 USD)
30 to 89 days are blocked by 80% (480 USD)
Total Account balance: 1000 USD
Reserve: -755 USD
Avaiable: 245USD

QC1:  No risk level only says how much money we block for each time period,  if you have a low risk level we expect low chargebacks and we can give  you the money earlier!
QC3: Risklevel is an calculation based on the chargeback quote of your referred users in the previous 90 days

I hope I was able to explain it more clearly!

Best Regards
Mike
Netload Support
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In Mike Example:

Which is going to release first,

1) The 30 to 89 days are blocked by 80% (480 USD)?

or

2) The 5 last days are blocked by 100% (40USD)?

Just to be cleared: