when should a powermax pm4b drop into float mode

"You already know how long it will take to go from 50-78% SOC. That is 28% of 430AH = 120AH. At 75 amps constant, that will take 1.6 hours."

i wasn't sure if it was that simple. but now i do remember someone saying the 14.6v set point would put me near 78%. lol, sorry to be such a pain in the @$$.