 *                                                                              
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? A                    
A                                                                               
            PRINCIPAL ON A LOAN                                                 
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:          $0.00                                  
 (B) Annual Interest rate:                0.00%                                 
 (C) Payments per Year:                   0                                     
 (D) Number of Years:                     0.0                                   
                                                                                
                                                                                
 Please enter each missing variable using the menu to select each item.         
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? A                    
A                                                                               
 *            PRINCIPAL ON A LOAN                                               
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Annual Interest rate:                0.00%                                 
 (C) Payments per Year:                   0                                     
 (D) Number of Years:                     0.0                                   
                                                                                
                                                                                
 Please enter each missing variable using the menu to select each item.         
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? B                    
B                                                                               
 *            PRINCIPAL ON A LOAN                                               
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Annual Interest rate:                3.50%                                 
 (C) Payments per Year:                   0                                     
 (D) Number of Years:                     0.0                                   
                                                                                
                                                                                
 Please enter each missing variable using the menu to select each item.         
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *            PRINCIPAL ON A LOAN                                               
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Annual Interest rate:                3.50%                                 
 (C) Payments per Year:                  12                                     
 (D) Number of Years:                     0.0                                   
                                                                                
                                                                                
 Please enter each missing variable using the menu to select each item.         
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? D                    
D                                                                               
 *            PRINCIPAL ON A LOAN                                               
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Annual Interest rate:                3.50%                                 
 (C) Payments per Year:                  12                                     
 (D) Number of Years:                    30.0                                   
                                                                                
                                                                                
 The calculated PRINCIPAL amount is:       $222694.98                           
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
                                                                                
       *** LOAN PRINCIPAL AMOUNT ***                                            
                                                                                
 This module will calculate the amount of money initially borrowed.             
 You must enter the amount of the payments, the interest rate, the              
 number of payments within a year and the number of years over which            
 the loan is going to be amortized.                                             
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *            PRINCIPAL ON A LOAN                                               
      Calculates an initial amount borrowed.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Annual Interest rate:                3.50%                                 
 (C) Payments per Year:                  12                                     
 (D) Number of Years:                    30.0                                   
                                                                                
                                                                                
 The calculated PRINCIPAL amount is:       $222694.98                           
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? B                    
B                                                                               
          REGULAR PAYMENT                                                       
    Calculates the amount of each payment.                                      
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Annual Interest rate:                3.50%                                 
 (B) Amount of Principal:           $222694.98                                  
 (C) Payments per Year:                  12                                     
 (D) Number of Years:                    30.0                                   
                                                                                
                                                                                
 The calculated PAYMENT amount is:          $1000.00                            
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
         ** REGULAR PAYMENT **                                                  
                                                                                
 This module will calculate the amount of the regular payment needed to         
 pay off a loan over a given time.  You must enter the amount borrowed,         
 the interest rate, the number of payments per year and the number of years     
 or term of the loan.                                                           
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *          REGULAR PAYMENT                                                     
    Calculates the amount of each payment.                                      
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Annual Interest rate:                3.50%                                 
 (B) Amount of Principal:           $222694.98                                  
 (C) Payments per Year:                  12                                     
 (D) Number of Years:                    30.0                                   
                                                                                
                                                                                
 The calculated PAYMENT amount is:          $1000.00                            
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
          LAST PAYMENT ON A LOAN                                                
   Finds the final payment at the end of the term.                              
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Number of Years:                    30.0                                   
 (D) Annual Interest rate:                3.50%                                 
 (E) Payments per Year:                  12                                     
                                                                                
                                                                                
 Please wait.  This calculation can take quite a while to run.                  
                                                                                
 The calculated LAST PAYMENT amount is:           $1000.20                      
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
        **  LAST PAYMENT ON A LOAN  **                                          
                                                                                
 Because of rounding errors, the last payment on a loan is usually slightly     
 different than the regular payment.  This module actually does a com-          
 plete loan amortization table in memory and calculates the exact amount        
 of the final payment.  You must enter the regular payment, the principal,      
 the term (in years) the interest rate and the number of payments per           
 year.  If any of these variables need to be calculated, use the other          
 modules first and then select this module from the MAIN MENU.                  
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *          LAST PAYMENT ON A LOAN                                              
   Finds the final payment at the end of the term.                              
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Number of Years:                    30.0                                   
 (D) Annual Interest rate:                3.50%                                 
 (E) Payments per Year:                  12                                     
                                                                                
                                                                                
 Please wait.  This calculation can take quite a while to run.                  
                                                                                
 The calculated LAST PAYMENT amount is:           $1000.20                      
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? D                    
D                                                                               
             REMAINING BALANCE ON A LOAN                                        
  Finds the balance after a specified number of payments.                       
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Payments per Year:                  12                                     
 (D) Annual Interest rate:                3.50%                                 
 (E) Last Payment made (#,year):          0, 0                                  
 --- Number of Years:                    30.0                                   
                                                                                
                                                                                
 Please enter each missing variable using the menu to select each item.         
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? E                    
E                                                                               
 Now enter the year number to calculate remaining balance.... 5                 
 *             REMAINING BALANCE ON A LOAN                                      
  Finds the balance after a specified number of payments.                       
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Payments per Year:                  12                                     
 (D) Annual Interest rate:                3.50%                                 
 (E) Last Payment made (#,year):          6, 5                                  
 --- Number of Years:                    30.0                                   
                                                                                
                                                                                
 Please wait.  This calculation can take quite a while to run.                  
                                                                                
 The calculated REMAINING BALANCE amount is:         $202229.89                 
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
                                                                                
      **  REMAINING BALANCE ON A LOAN  **                                       
                                                                                
 This module will calculate the amount remaining on the principal of a          
 loan after a specific number of payments have been made.  Typically,           
 this would be needed in the event that it was desired to pay off a loan        
 early.  The module actually does a loan amortization table in memory           
 and stops at the payment you have specified.  The balance of the               
 PRINCIPAL is then displayed.                                                   
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *             REMAINING BALANCE ON A LOAN                                      
  Finds the balance after a specified number of payments.                       
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Payments per Year:                  12                                     
 (D) Annual Interest rate:                3.50%                                 
 (E) Last Payment made (#,year):          6, 5                                  
 --- Number of Years:                    30.0                                   
                                                                                
                                                                                
 Please wait.  This calculation can take quite a while to run.                  
                                                                                
 The calculated REMAINING BALANCE amount is:         $202229.89                 
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? E                    
E                                                                               
           TERM OF A LOAN                                                       
   Finds the period of time needed to repay.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Annual Interest rate:                3.50%                                 
 (D) Payments per Year:                  12                                     
                                                                                
                                                                                
 The calculated TERM OF LOAN is:   30.0 years                                   
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
                                                                                
     **  TERM OF A LOAN  **                                                     
                                                                                
 This module will determine the time (in years) needed to repay a loan          
 for a given set of variables.  For example, this could be used to see          
 what effect changing the payment or the interest would have on the             
 period required to repay the loan.  The program will not allow an entry        
 that would result in the loan being under-amortized such as would happen       
 in the event that the payment was too small to ever repay the loan.            
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *           TERM OF A LOAN                                                     
   Finds the period of time needed to repay.                                    
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Amount of Principal:           $222694.98                                  
 (C) Annual Interest rate:                3.50%                                 
 (D) Payments per Year:                  12                                     
                                                                                
                                                                                
 The calculated TERM OF LOAN is:   30.0 years                                   
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? F                    
F                                                                               
                ANNUAL INTEREST RATE                                            
   Finds the interest rate on a specific loan.                                  
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Payments per Year:                  12                                     
                                                                                
                                                                                
 Please wait.  This calculation can take a while to run.                        
                                                                                
 The calculated INTEREST RATE is:      3.50%                                    
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
                                                                                
      **  ANNUAL INTEREST RATE ON A LOAN  **                                    
                                                                                
 This module will calculate the interest rate on a loan given a specific        
 set of variables.  This is useful if the interest rate is unknown or if        
 it is desired to determine the impact on interest of changes in other          
 variables.  The program cannot calculate interest rates that are greater       
 than 25%.                                                                      
                                                                                
 Using the menu, select each item that needs to be entered.  As soon            
 as you've entered the needed variables, the program will perform the           
 calculation and display the results.  To try a different variable,             
 use the menu to select which one you want to change.  Enter the new            
 value and the calculation will be redone automatically for you.                
                                                                                
 You cannot enter a negative number for any variable in this program.           
 Do not use any commas when entering variables.  Press the return               
 after entering each variable.                                                  
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *                                                                              
                ANNUAL INTEREST RATE                                            
   Finds the interest rate on a specific loan.                                  
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Payments per Year:                  12                                     
                                                                                
                                                                                
 Please wait.  This calculation can take a while to run.                        
                                                                                
 The calculated INTEREST RATE is:      3.50%                                    
                                                                                
 The calculated amount above will be automatically recalculated anytime you     
 change one of the VARIABLES.  Use the menu to select.                          
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? G                    
G                                                                               
      LOAN AMORTIZATION TABLE                                                   
  Provides complete loan progress chart.                                        
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Annual Interest rate:                3.50%                                 
 --- Payments per Year:                  12                                     
                                                                                
                                                                                
 THE VARIABLES MUST BE PRECISELY CALCULATED FOR THE TABLE TO BE CORRECT.        
                                                                                
 Do you want to change any of the above VARIABLES?                              
 ENTER (Y)ES or (N)O or ...                                                     
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
       **  LOAN AMORTIZATION TABLE  **                                          
                                                                                
 This module will show the amount of interest and principal paid for            
 each payment on a loan.  This listing can be displayed on the console          
 screen only or it can be listed to a printer simultaneously.  Since            
 the table can only be accurate if the variables are precisely calculated,      
 you have to use other modules to make changes to the variables before          
 you can run the amortization table module.  Selecting an item from             
 the menu to be changed will automatically chain you into the appropriate       
 module.                                                                        
                                                                                
 If the printer is selected, you will be asked for information to go            
 on the title block on the printer.  This information will be saved             
 and does not have to be reentered if you go to another module and then         
 return to the amortization module.                                             
                                                                                
 You should check the printer to be sure it is ready prior to trying            
 to send a listing to the printer.  If the printer is not ready, the            
 program will display a message and the program will stop.  If the              
 printer cannot be made ready, you will have to abort the program using         
 the ^C key.                                                                    
                                                                                
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *                                                                              
      LOAN AMORTIZATION TABLE                                                   
  Provides complete loan progress chart.                                        
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Annual Interest rate:                3.50%                                 
 --- Payments per Year:                  12                                     
                                                                                
                                                                                
 THE VARIABLES MUST BE PRECISELY CALCULATED FOR THE TABLE TO BE CORRECT.        
                                                                                
 Do you want to change any of the above VARIABLES?                              
 ENTER (Y)ES or (N)O or ...                                                     
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? G                    
G                                                                               
      LOAN AMORTIZATION TABLE                                                   
  Provides complete loan progress chart.                                        
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Annual Interest rate:                3.50%                                 
 --- Payments per Year:                  12                                     
                                                                                
                                                                                
 THE VARIABLES MUST BE PRECISELY CALCULATED FOR THE TABLE TO BE CORRECT.        
                                                                                
 Do you want to change any of the above VARIABLES?                              
 ENTER (Y)ES or (N)O or ...                                                     
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? N                    
N                                                                               
 Do you want this run to go to the printer?  (Enter Y or N) ? N                 
No                                                                              
                                                                                
                                                                                
 Do you want to display annual totals only?  (Enter Y or N) ? N                 
No                                                                              
                                                                                
                                                                                
 Do you want to start with a year other than 1?  (Y or N) ? Y                   
Yes                                                                             
 Please enter the year you want to start with..... 25                           
 * *********************  LOAN AMORTIZATION TABLE  ***********************      
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   289            $189.15           $810.85              $64043.02              
   290            $186.79           $813.21              $63229.81              
   291            $184.42           $815.58              $62414.23              
   292            $182.04           $817.96              $61596.27              
   293            $179.65           $820.35              $60775.92              
   294            $177.26           $822.74              $59953.18              
   295            $174.86           $825.14              $59128.04              
   296            $172.45           $827.55              $58300.49              
   297            $170.04           $829.96              $57470.53              
   298            $167.62           $832.38              $56638.15              
   299            $165.19           $834.81              $55803.34              
   300            $162.76           $837.24              $54966.10              
                                                                                
*YEAR: 25        $2112.23          $9887.77              $54966.10              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   301            $160.31           $839.69              $54126.41              
   302            $157.87           $842.13              $53284.28              
   303            $155.41           $844.59              $52439.69              
   304            $152.95           $847.05              $51592.64              
   305            $150.48           $849.52              $50743.12              
   306            $148.00           $852.00              $49891.12              
   307            $145.51           $854.49              $49036.63              
   308            $143.02           $856.98              $48179.65              
   309            $140.52           $859.48              $47320.17              
   310            $138.01           $861.99              $46458.18              
   311            $135.50           $864.50              $45593.68              
   312            $132.98           $867.02              $44726.66              
                                                                                
*YEAR: 26        $1760.56         $10239.44              $44726.66              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   313            $130.45           $869.55              $43857.11              
   314            $127.91           $872.09              $42985.02              
   315            $125.37           $874.63              $42110.39              
   316            $122.82           $877.18              $41233.21              
   317            $120.26           $879.74              $40353.47              
   318            $117.70           $882.30              $39471.17              
   319            $115.12           $884.88              $38586.29              
   320            $112.54           $887.46              $37698.83              
   321            $109.95           $890.05              $36808.78              
   322            $107.36           $892.64              $35916.14              
   323            $104.75           $895.25              $35020.89              
   324            $102.14           $897.86              $34123.03              
                                                                                
*YEAR: 27        $1396.37         $10603.63              $34123.03              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   325             $99.52           $900.48              $33222.55              
   326             $96.90           $903.10              $32319.45              
   327             $94.26           $905.74              $31413.71              
   328             $91.62           $908.38              $30505.33              
   329             $88.97           $911.03              $29594.30              
   330             $86.32           $913.68              $28680.62              
   331             $83.65           $916.35              $27764.27              
   332             $80.98           $919.02              $26845.25              
   333             $78.30           $921.70              $25923.55              
   334             $75.61           $924.39              $24999.16              
   335             $72.91           $927.09              $24072.07              
   336             $70.21           $929.79              $23142.28              
                                                                                
*YEAR: 28        $1019.25         $10980.75              $23142.28              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   337             $67.50           $932.50              $22209.78              
   338             $64.78           $935.22              $21274.56              
   339             $62.05           $937.95              $20336.61              
   340             $59.31           $940.69              $19395.92              
   341             $56.57           $943.43              $18452.49              
   342             $53.82           $946.18              $17506.31              
   343             $51.06           $948.94              $16557.37              
   344             $48.29           $951.71              $15605.66              
   345             $45.52           $954.48              $14651.18              
   346             $42.73           $957.27              $13693.91              
   347             $39.94           $960.06              $12733.85              
   348             $37.14           $962.86              $11770.99              
                                                                                
*YEAR: 29         $628.71         $11371.29              $11770.99              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
   349             $34.33           $965.67              $10805.32              
   350             $31.51           $968.49               $9836.83              
   351             $28.69           $971.31               $8865.52              
   352             $25.86           $974.14               $7891.38              
   353             $23.02           $976.98               $6914.40              
   354             $20.17           $979.83               $5934.57              
   355             $17.31           $982.69               $4951.88              
   356             $14.44           $985.56               $3966.32              
   357             $11.57           $988.43               $2977.89              
   358              $8.69           $991.31               $1986.58              
   359              $5.79           $994.21                $992.37              
   360              $2.89           $992.37                  $0.00              
                                                                                
*YEAR: 30         $224.27         $11770.99                  $0.00              
                                                                                
                                                                                
DISPLAY HAS BEEN PAUSED.  SELECT: (D)ISABLE PAUSE, (C)ONTINUE, OR (A)BORT.      
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? C                    
C                                                                               
 *********************  LOAN AMORTIZATION TABLE  ***********************        
 PRINCIPAL AMOUNT:       $222694.98  PAYMENT AMOUNT:       $1000.00             
 TERM IN YEARS:               30.0   INTEREST RATE:            3.50%            
 ***********************************************************************        
 PAYMENT #       INTEREST         PRINCIPAL        BALANCE AFTER PAYMENT        
 -----------------------------------------------------------------------        
                                                                                
*TOTALS:       $137300.28        $222694.98                                     
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
                                                                                
 PRESS (Y) TO RETURN TO MENU.                                                   
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? Y                    
Y                                                                               
      LOAN AMORTIZATION TABLE                                                   
  Provides complete loan progress chart.                                        
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Annual Interest rate:                3.50%                                 
 --- Payments per Year:                  12                                     
                                                                                
                                                                                
 THE VARIABLES MUST BE PRECISELY CALCULATED FOR THE TABLE TO BE CORRECT.        
                                                                                
 Do you want to change any of the above VARIABLES?                              
 ENTER (Y)ES or (N)O or ...                                                     
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? H                    
H                                                                               
       **  LOAN AMORTIZATION TABLE  **                                          
                                                                                
 This module will show the amount of interest and principal paid for            
 each payment on a loan.  This listing can be displayed on the console          
 screen only or it can be listed to a printer simultaneously.  Since            
 the table can only be accurate if the variables are precisely calculated,      
 you have to use other modules to make changes to the variables before          
 you can run the amortization table module.  Selecting an item from             
 the menu to be changed will automatically chain you into the appropriate       
 module.                                                                        
                                                                                
 If the printer is selected, you will be asked for information to go            
 on the title block on the printer.  This information will be saved             
 and does not have to be reentered if you go to another module and then         
 return to the amortization module.                                             
                                                                                
 You should check the printer to be sure it is ready prior to trying            
 to send a listing to the printer.  If the printer is not ready, the            
 program will display a message and the program will stop.  If the              
 printer cannot be made ready, you will have to abort the program using         
 the ^C key.                                                                    
                                                                                
                                                                                
 PRESS ANY KEY TO RETURN TO THE MENU. ?                                         
 *                                                                              
      LOAN AMORTIZATION TABLE                                                   
  Provides complete loan progress chart.                                        
                                                                                
 Variables needed for calculation:                                              
                                                                                
       VARIABLE                         CURRENT VALUE                           
 (A) Amount of Regular Payment:       $1000.00                                  
 (B) Number of Years:                    30.0                                   
 (C) Amount of Principal:           $222694.98                                  
 (D) Annual Interest rate:                3.50%                                 
 --- Payments per Year:                  12                                     
                                                                                
                                                                                
 THE VARIABLES MUST BE PRECISELY CALCULATED FOR THE TABLE TO BE CORRECT.        
                                                                                
 Do you want to change any of the above VARIABLES?                              
 ENTER (Y)ES or (N)O or ...                                                     
                                                                                
 PRESS (H) for HELP.                                                            
 PRESS (M) to return to the MAIN MENU.                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? M                    
M                                                                               
                                                                                
           *************** MAIN MENU ***************                            
   This is a program for LOAN CALCULATIONS.  Please select the                  
             module you would like to run below.                                
                                                                                
      (Press the corresponding letter from the menu.)                           
                                                                                
  (A)  LOAN PRINCIPAL AMOUNT                                                    
  (B)  REGULAR LOAN PAYMENT AMOUNT                                              
  (C)  LAST PAYMENT ON A LOAN                                                   
  (D)  REMAINING BALANCE ON A LOAN                                              
  (E)  TERM OF A LOAN                                                           
  (F)  ANNUAL INTEREST RATE ON A LOAN                                           
  (G)  LOAN AMORTIZATION TABLE                                                  
                                                                                
  (H)ELP-- Choose this for an explanation of the modules above.                 
                                                                                
  (X)  EXIT BACK TO THE OPERATING SYSTEM                                        
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? X                    
X                                                                               
                                                                                
                                                                                
 RETURN TO OPERATING SYSTEM?  (Y OR N)                                          
                                                                                
      >>>>>>>>>>>>> NOW WAITING FOR YOUR SELECTION >>>>> ? Y                    
Y                                                                               
                                                                                
                                                                                
 Now returning control to the operating system.                                 
                                                                                
                                                                                
