RE: Long Shot Question

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[snip]
	[snip]
	This seems like a somewhat standard calculation for loans and
interest
	bearing accounts. Does anyone know how to calculate the
graduation
	factor?  I've been able to figure out it's based off the loan
term, 	loan balance, and initial interest rate.
	[/snip]
It is called amortization ... 
[/snip]

http://www.hughchou.org/calc/formula.html

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