Interpreting 10-yr luck with pian cai

Hello Master Lee,
In my POD report, I have:
Ten Dieties Summary-
main funds zheng yin fire 5 (total)
unexpected funds pian yin fire 2 (total)
Can you explain how these two affect my life?
Under luck 3, I have pian cai under heavenly stem.
I have an Earthly Branch Self Punishment found.
chen - The elements in the Luck 3 (chen-Dragon) pillars of the Earthly Branch punishes itself. (What does this mean? How will this affect me?)
And then, in the summary for luck 3 period,
[1996 to 2005] is an auspicious period as it
favours your 10 yearly Big Luck Period.
[1996 to 2000] (ren-Water) is an auspicious wealth period
for you.
[2001 to 2005] (chen-Earth) is an inauspicious period as it does not favour your 5 yearly Luck Period.
Since it's now 2004, does this mean the pian cai period has passed? What should I expect in this inauspicious period so I can prepare? Is this a good period to start a business?
Many thanks.
Anon.