static Duration reloadAfter(final ZonkyApiToken token) { final int expirationInSeconds = token.getExpiresIn(); final int minimumSecondsBeforeExpiration = 5; final int secondsToReloadAfter = Math.max(minimumSecondsBeforeExpiration, expirationInSeconds - minimumSecondsBeforeExpiration); return Duration.ofSeconds(secondsToReloadAfter); }