income to yield projected disposable income, i.e. subtract the current monthly expenses on Schedule J from the current monthly income on Schedule I. See, e.g., In re Fuller, 346 B.R. 472 (Bankr.S.D.Ill. June 21, 2006) (projected disposable income to be determined by subtracting expenses from Schedule I); In re Demonica, 345 B.R. 895 (Bankr. N.D.Ill. July 31, 2006) (Schedule I should be used to determine projected disposable income since it reflects current income at the time of filing). Still others have treated the disposable income figure reached by Form B22C to be merely a “starting point” for determining the debtor’s projected disposable income which may be adjusted according to the debtor’s current financial situation. See, e.g., In re Jass, 340 B.R. 411 (Bankr.D.Utah 2006) (<HOLDING>); In re Risher, 344 B.R. 833
holding that for abovemedian income debtors projected disposable income calculated on form b22c is the starting point but not the ending point in determining debtors correct minimum obligation and both income and expenses must be determined as of date of confirmation holding that projected disposable income for abovemedian income debt or is not fixed by means test calculation that includes expenses that would not actually be incurred under plan such as car payments for car to be surrendered holding that a debtors disposable income as calculated under 11 usc  1325b2 is not the same as a debtors projected disposable income but that it can be used as the presumptive projected disposable income holding that the statement of current monthly income was the presumptive amount of projected disposable income but presumption could be rebutted by the debt or upon a showing of substantial change of circumstances holding that projected disposable income for abovemedian debtors is disposable income as defined by  1325b