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That is the requirement, to have the money when you apply.
Sorry, I don't understand what you are asking. If you do not understand what money is required, and what evidence of it, best speak with ably benefit from meeting with the international student adviser at your university.
Where are you quoting that from?
No it doesn't. You are misreading as well as over-thinking!
Your money from 1st to 28th will be taken into account. If you get bank's letter/statement on the 28th day, you are allowed to submit it with your application the same day.