I use 25% (or 5% per day required in office premium). I assume an hour commute. Usually its less but it tends to be close enough. Its a bit of an over estimation but that all is easily covered by things like walking the dog at lunchtime and eating cheaper and healthier. Along with seeing my wife even if I don't have time to talk there is something about just being around. Oh and using my own bathroom with my prefered bath tissue. No catching other peoples kids crud. Man the list goes on and on.