Well you could get your limit now and again in January - which would double those amounts for you and spouse. Possibly use kids or parent SSN for additional purchases. (Carefully considering the educational benefit possibility)...
RATINOR: I believe the calculation is based on percentage change over the 6 month period.
The index went from 212.709 to 215.969 so a 1.532% change.
That times 2 = 3.064% will be the inflation component to which you add the fixed rate component.
Am I correct in assuming the 'inflation' was based on the previously deflated index number? In other words we didn't have to make-up the previous 'deflation' before getting a new inflation adjustment!! Looking at these over the long term this appears to be another bonus...