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What is the grammar behind 没四百下不来
I don't understand how this indicate approximate sufficiency instead of a lower bound. In practice nobody uses exact math of course. But this is separate from the sentence pattern.
Usage of the word 欠 and 了 in 那我一分钱也不欠你的了
Put simpler, 了 indicates a change of state. A common pattern is that it occurs after an adjective like in 树叶黄了.