That 10km/day error predicted if GPS satellite clocks not corrected for relativity

Some authorities have stated publicly and without explanation that if the theories of Special and General Relativity were not taken into account in the design of the GPS (by building the satellite clocks to run 38us/day slower than GPS time before launch aka 'the factory offset), the position indicated by an earthbound GPS user device would drift by about 11km/day. I've considered this for various GPS models but can only predict much smaller effects. That multiplying the 38us/day uncorrected difference from GPS time by the speed of light yields 11.6km/day, does not for me seem to relate to GPS receiver function. Please reply with references if possible. I'd be very glad for any pointers.