I FORGOT MY DECIMAL!
Ohshi. Good thing you caught that before it updated. >_>
Or, well, I had it listed as 3.5 -- should have been .035 instead.
edit:
That was a bitch. So I changed the one field I needed to change and left all the others blank -- and when I did, it wiped ALL OTHER VALUES, so I just had to go back and reset everything from scratch for each of the usergroups. >_< It's all good now, though.