My help search and forum search have left me with the following results:

you can set up a retainer per project and then apply it to an invoice.

My questions are as follows:

1) I have multiple slips that apply to a specific project (in my case a monthly client). I would like to see the combination of my slips count against my retainer. I imagine this is common for most people that have retainers. As my timed slips increase, I can see my retainer decrease so that I can very quickly let my client know how much they have left to spend within that month. I would like to see this WITHOUT having to invoice, isn't this how many people use retainers? Another way to think of it would simply to be able to count down from a starting amount.

2) My retainer is a monthly retainer that is a minimum guaranteed. Meaning, if I work one hour in a month, I get my minimum regardless. There seems to be no way to apply this concept to the invoice, is that true?

3) This is slightly more difficult I imagine, but typically (or so I thought) a retainer is a reduced hourly rate in exchange for consistent billing. When my retainer is used up, my rate increases. Is there no way to apply this in iBiz?

Simply put, basic retainer management is key for good billing software for me, does anyone have a suggestion, whether or not it is called "retainer" in iBiz on how to implement the above three requirements? I would love to be able to use iBiz successfully. Any suggestions? Thanks.