In a 5/10/20 drop penalty league , after what game...

Please indulge me a question that I should know the answer to: in 5/10/20 drop penalty leagues - can you still make drops after game 39 and before game 40 at the 5% drop penalty rate ? After what game played does the 10% drop penalty take effect?

Thanks if you know the answer !

Free Agent Drop Penalty
5/10/20% (default) - games 1-41: 5%, games 42-80: 10%, games 81+: 20%

It’s in that very elusive rules section!

The guidelines are under Joining or Creating a League in the Rules.

Do you have an underperformer Geoff? You know what they say about cutting players.....