To all of you who couldn't understand my original post - I am talking about FIXED Billing, not Budget billing. They are two separate programs. Go to duke-energy.com/Fixed for more information. The operator I spoke to was adamant the there would be NO refund if my usage was less than their predicted amount.
To save you time scrolling to the bottom of their page, here is the link to the terms and conditions.
https://www.duke-energy.com/_/media/...ions.pdf?la=en