Charging voltage question?

YES
Say you're sitting in a diner having coffee.Think of the battery as your coffee mug, and the regulator as a waitress.
See, you get down to the bottom half of your mug, and the girl comes around and tops it up. As she pours, she pours hard at first, and as the glass gets full, she backs off, and then it dribbles a bit and then off she goes