As Close As You Can Get Without Going Over

ER
37 chips on 0
7 chips on first 12
11 chips on the second 12
15 chips on the 3rd 12
7 chips on first column of 12
11 chips on second column of 12
15 chips on the 3rd column of 12
1chip on 1
4chips on 4
7chips on 7
10 chips on 10
2chips on 14
5chips on 17
8 chips on 20
11 chips on 23
3 chips on 27
6 chips on 30
9 chips on 33
12 chips on 36
AR
38 chips on 0, and 00
7 chips on first 12
11 chips on the 2nd 12
15 chips on the third 12
11 chips on the first column of 12
7 chips on the second column of 12
15 chips on the third column of 12
1 chip on 1
4 chips on 4
7 chips on 7
10 chips on 10
2 chips on 14
5 chips on 17
8 chips on 20
11 chips on 23
3 chips on 27
6 chips on 30
9 chips on 33
12 chips on 36

The point is?