XLS www.mtgprofessor.com

ENTERInterest Rate -- for 6%, enter .060.07% of outstanding balance for extra lender paymentTerm -- enter number of months360New (calculated) loan termLoan Amount -- for $200,000 enter 200000200000MonthlyPayment is calculated for you=-PMT($G$3/12,$G$4,$G$5,0,0)=ROUNDUP($G$7,2)Copyright Jack Guttentag 2003ENTEREXTRAExtraMonthlyPAYMENTSLenderCurrent LoanTotalPd.PaymentInterestPrincipalHEREPaymentsBalanceInterest1=$H$7=$G$5*$G$3/12=B13-C13=G5*O3/12=MAX($G$5+$G$5*$G$3/12-B13-(E13+F13),0)=C131=1=+A13+1=IF(G13>(B13-C13),$H$7,G13+C14)=G13*$G$3/12=IF(G13>(B14-C14),B14-C14,G13)=G13*$O$3/12=MAX(G13+G13*$G$3/12-B14-(F14+E14),0)=H13+C14=IF(G14>0,I13+1,IF(I13>=9999,I13+1,9999))=J13+1=+A14+1=IF(G14>(B14-C14),$H$7,G14+C15)=G14*$G$3/12=IF(G14>(B15-C15),B15-C15,G14)=G14*$O$3/12=MAX(G14+G14*$G$3/12-B15-(F15+E15),0)=H14+C15=IF(G15>0,I14+1,IF(I14>=9999,I14+1,9999))=J14+1=+A15+1=IF(G15>(B15-C15),$H$7,G15+C16)=G15*$G$3/12=IF(G15>(B16-C16),B16-C16,G15)=G15*$O$3/12=MAX(G15+G15*$G$3/12-B16-(F16+E16),0)=H15+C16=IF(G16>0,I15+1,IF(I15>=9999,I15+1,9999))=J15+1=+A16+1=IF(G16>(B16-C16),$H$7,G16+C17)=G16*$G$3/12=IF(G16>(B17-C17),B17-C17,G16)=G16*$O$3/12=MAX(G16+G16*$G$3/12-B17-(F17+E17),0)=H16+C17=IF(G17>0,I16+1,IF(I16>=9999,I16+1,9999))=J16+1=+A17+1=IF(G17>(B17-C17),$H$7,G17+C18)=G17*$G$3/12=IF(G17>(B18-C18),B18-C18,G17)=G17*$O$3/12=MAX(G17+G17*$G$3/12-B18-(F18+E18),0)=H17+C18=IF(G18>0,I17+1,IF(I17>=9999,I17+1,9999))=J17+1=+A18+1=IF(G18>(B18-C18),$H$7,G18+C19)=G18*$G$3/12=IF(G18>(B19-C19),B19-C19,G18)=G18*$O$3/12=MAX(G18+G18*$G$3/12-B19-(F19+E19),0)=H18+C19=IF(G19>0,I18+1,IF(I18>=9999,I18+1,9999))=J18+1=+A19+1=IF(G19>(B19-C19),$H$7,G19+C20)=G19*$G$3/12=IF(G19>(B20-C20),B20-C20,G19)=G19*$O$3/12=MAX(G19+G19*$G$3/12-B20-(F20+E20),0)=H19+C20=IF(G20>0,I19+1,IF(I19>=9999,I19+1,9999))=J19+1=+A20+1=IF(G20>(B20-C20),$H$7,G20+C21)=G20*$G$3/12=IF(G20>(B21-C21),B21-C21,G20)=G20*$O$3/12=MAX(G20+G20*$G$3/12-B21-(F21+E21),0)=H20+C21=IF(G21>0,I20+1,IF(I20>=9999,I20+1,9999))=J20+1=+A21+1=IF(G21>(B21-C21),$H$7,G21+C22)=G21*$G$3/12=IF(G21>(B22-C22),B22-C22,G21)=G21*$O$3/12=MAX(G21+G21*$G$3/12-B22-(F22+E22),0)=H21+C22=IF(G22>0,I21+1,IF(I21>=9999,I21+1,9999))=J21+1=+A22+1=IF(G22>(B22-C22),$H$7,G22+C23)=G22*$G$3/12=IF(G22>(B23-C23),B23-C23,G22)=G22*$O$3/12=MAX(G22+G22*$G$3/12-B23-(F23+E23),0)=H22+C23=IF(G23>0,I22+1,IF(I22>=9999,I22+1,9999))=J22+1=+A23+1=IF(G23>(B23-C23),$H$7,G23+C24)=G23*$G$3/12=IF(G23>(B24-C24),B24-C24,G23)=G23*$O$3/12=MAX(G23+G23*$G$3/12-B24-(F24+E24),0)=H23+C24=IF(G24>0,I23+1,IF(I23>=9999,I23+1,9999))=J23+1=+A24+1=IF(G24>(B24-C24),$H$7,G24+C25)=G24*$G$3/12=IF(G24>(B25-C25),B25-C25,G24)=G24*$O$3/12=MAX(G24+G24*$G$3/12-B25-(F25+E25),0)=H24+C25=IF(G25>0,I24+1,IF(I24>=9999,I24+1,9999))=J24+1=+A25+1=IF(G25>(B25-C25),$H$7,G25+C26)=G25*$G$3/12=IF(G25>(B26-C26),B26-C26,G25)=G25*$O$3/12=MAX(G25+G25*$G$3/12-B26-(F26+E26),0)=H25+C26=IF(G26>0,I25+1,IF(I25>=9999,I25+1,9999))=J25+1=+A26+1=IF(G26>(B26-C26),$H$7,G26+C27)=G26*$G$3/12=IF(G26>(B27-C27),B27-C27,G26)=G26*$O$3/12=MAX(G26+G26*$G$3/12-B27-(F27+E27),0)=H26+C27=IF(G27>0,I26+1,IF(I26>=9999,I26+1,9999))=J26+1=+A27+1=IF(G27>(B27-C27),$H$7,G27+C28)=G27*$G$3/12=IF(G27>(B28-C28),B28-C28,G27)=G27*$O$3/12=MAX(G27+G27*$G$3/12-B28-(F28+E28),0)=H27+C28=IF(G28>0,I27+1,IF(I27>=9999,I27+1,9999))=J27+1=+A28+1=IF(G28>(B28-C28),$H$7,G28+C29)=G28*$G$3/12=IF(G28>(B29-C29),B29-C29,G28)=G28*$O$3/12=MAX(G28+G28*$G$3/12-B29-(F29+E29),0)=H28+C29=IF(G29>0,I28+1,IF(I28>=9999,I28+1,9999))=J28+1=+A29+1=IF(G29>(B29-C29),$H$7,G29+C30)=G29*$G$3/12=IF(G29>(B30-C30),B30-C30,G29)=G29*$O$3/12=MAX(G29+G29*$G$3/12-B30-(F30+E30),0)=H29+C30=IF(G30>0,I29+1,IF(I29>=9999,I29+1,9999))=J29+1=+A30+1=IF(G30>(B30-C30),$H$7,G30+C31)=G30*$G$3/12=IF(G30>(B31-C31),B31-C31,G30)=G30*$O$3/12=MAX(G30+G30*$G$3/12-B31-(F31+E31),0)=H30+C31=IF(G31>0,I30+1,IF(I30>=9999,I30+1,9999))=J30+1=+A31+1=IF(G31>(B31-C31),$H$7,G31+C32)=G31*$G$3/12=IF(G31>(B32-C32),B32-C32,G31)=G31*$O$3/12=MAX(G31+G31*$G$3/12-B32-(F32+E32),0)=H31+C32=IF(G32>0,I31+1,IF(I31>=9999,I31+1,9999))=J31+1=+A32+1=IF(G32>(B32-C32),$H$7,G32+C33)=G32*$G$3/12=IF(G32>(B33-C33),B33-C33,G32)=G32*$O$3/12=MAX(G32+G32*$G$3/12-B33-(F33+E33),0)=H32+C33=IF(G33>0,I32+1,IF(I32>=9999,I32+1,9999))=J32+1=+A33+1=IF(G33>(B33-C33),$H$7,G33+C34)=G33*$G$3/12=IF(G33>(B34-C34),B34-C34,G33)=G33*$O$3/12=MAX(G33+G33*$G$3/12-B34-(F34+E34),0)=H33+C34=IF(G34>0,I33+1,IF(I33>=9999,I33+1,9999))=J33+1=+A34+1=IF(G34>(B34-C34),$H$7,G34+C35)=G34*$G$3/12=IF(G34>(B35-C35),B35-C35,G34)=G34*$O$3/12=MAX(G34+G34*$G$3/12-B35-(F35+E35),0)=H34+C35=IF(G35>0,I34+1,IF(I34>=9999,I34+1,9999))=J34+1=+A35+1=IF(G35>(B35-C35),$H$7,G35+C36)=G35*$G$3/12=IF(G35>(B36-C36),B36-C36,G35)=G35*$O$3/12=MAX(G35+G35*$G$3/12-B36-(F36+E36),0)=H35+C36=IF(G36>0,I35+1,IF(I35>=9999,I35+1,9999))=J35+1=+A36+1=IF(G36>(B36-C36),$H$7,G36+C37)=G36*$G$3/12=IF(G36>(B37-C37),B37-C37,G36)=G36*$O$3/12=MAX(G36+G36*$G$3/12-B37-(F37+E37),0)=H36+C37=IF(G37>0,I36+1,IF(I36>=9999,I36+1,9999))=J36+1=+A37+1=IF(G37>(B37-C37),$H$7,G37+C38)=G37*$G$3/12=IF(G37>(B38-C38),B38-C38,G37)=G37*$O$3/12=MAX(G37+G37*$G$3/12-B38-(F38+E38),0)=H37+C38=IF(G38>0,I37+1,IF(I37>=9999,I37+1,9999))=J37+1=+A38+1=IF(G38>(B38-C38),$H$7,G38+C39)=G38*$G$3/12=IF(G38>(B39-C39),B39-C39,G38)=G38*$O$3/12=MAX(G38+G38*$G$3/12-B39-(F39+E39),0)=H38+C39=IF(G39>0,I38+1,IF(I38>=9999,I38+1,9999))=J38+1=+A39+1=IF(G39>(B39-C39),$H$7,G39+C40)=G39*$G$3/12=IF(G39>(B40-C40),B40-C40,G39)=G39*$O$3/12=MAX(G39+G39*$G$3/12-B40-(F40+E40),0)=H39+C40=IF(G40>0,I39+1,IF(I39>=9999,I39+1,9999))=J39+1=+A40+1=IF(G40>(B40-C40),$H$7,G40+C41)=G40*$G$3/12=IF(G40>(B41-C41),B41-C41,G40)=G40*$O$3/12=MAX(G40+G40*$G$3/12-B41-(F41+E41),0)=H40+C41=IF(G41>0,I40+1,IF(I40>=9999,I40+1,9999))=J40+1=+A41+1=IF(G41>(B41-C41),$H$7,G41+C42)=G41*$G$3/12=IF(G41>(B42-C42),B42-C42,G41)=G41*$O$3/12=MAX(G41+G41*$G$3/12-B42-(F42+E42),0)=H41+C42=IF(G42>0,I41+1,IF(I41>=9999,I41+1,9999))=J41+1=+A42+1=IF(G42>(B42-C42),$H$7,G42+C43)=G42*$G$3/12=IF(G42>(B43-C43),B43-C43,G42)=G42*$O$3/12=MAX(G42+G42*$G$3/12-B43-(F43+E43),0)=H42+C43=IF(G43>0,I42+1,IF(I42>=9999,I42+1,9999))=J42+1=+A43+1=IF(G43>(B43-C43),$H$7,G43+C44)=G43*$G$3/12=IF(G43>(B44-C44),B44-C44,G43)=G43*$O$3/12=MAX(G43+G43*$G$3/12-B44-(F44+E44),0)=H43+C44=IF(G44>0,I43+1,IF(I43>=9999,I43+1,9999))=J43+1=+A44+1=IF(G44>(B44-C44),$H$7,G44+C45)=G44*$G$3/12=IF(G44>(B45-C45),B45-C45,G44)=G44*$O$3/12=MAX(G44+G44*$G$3/12-B45-(F45+E45),0)=H44+C45=IF(G45>0,I44+1,IF(I44>=9999,I44+1,9999))=J44+1=+A45+1=IF(G45>(B45-C45),$H$7,G45+C46)=G45*$G$3/12=IF(G45>(B46-C46),B46-C46,G45)=G45*$O$3/12=MAX(G45+G45*$G$3/12-B46-(F46+E46),0)=H45+C46=IF(G46>0,I45+1,IF(I45>=9999,I45+1,9999))=J45+1=+A46+1=IF(G46>(B46-C46),$H$7,G46+C47)=G46*$G$3/12=IF(G46>(B47-C47),B47-C47,G46)=G46*$O$3/12=MAX(G46+G46*$G$3/12-B47-(F47+E47),0)=H46+C47=IF(G47>0,I46+1,IF(I46>=9999,I46+1,9999))=J46+1=+A47+1=IF(G47>(B47-C47),$H$7,G47+C48)=G47*$G$3/12=IF(G47>(B48-C48),B48-C48,G47)=G47*$O$3/12=MAX(G47+G47*$G$3/12-B48-(F48+E48),0)=H47+C48=IF(G48>0,I47+1,IF(I47>=9999,I47+1,9999))=J47+1=+A48+1=IF(G48>(B48-C48),$H$7,G48+C49)=G48*$G$3/12=IF(G48>(B49-C49),B49-C49,G48)=G48*$O$3/12=MAX(G48+G48*$G$3/12-B49-(F49+E49),0)=H48+C49=IF(G49>0,I48+1,IF(I48>=9999,I48+1,9999))=J48+1=+A49+1=IF(G49>(B49-C49),$H$7,G49+C50)=G49*$G$3/12=IF(G49>(B50-C50),B50-C50,G49)=G49*$O$3/12=MAX(G49+G49*$G$3/12-B50-(F50+E50),0)=H49+C50=IF(G50>0,I49+1,IF(I49>=9999,I49+1,9999))=J49+1=+A50+1=IF(G50>(B50-C50),$H$7,G50+C51)=G50*$G$3/12=IF(G50>(B51-C51),B51-C51,G50)=G50*$O$3/12=MAX(G50+G50*$G$3/12-B51-(F51+E51),0)=H50+C51=IF(G51>0,I50+1,IF(I50>=9999,I50+1,9999))=J50+1=+A51+1=IF(G51>(B51-C51),$H$7,G51+C52)=G51*$G$3/12=IF(G51>(B52-C52),B52-C52,G51)=G51*$O$3/12=MAX(G51+G51*$G$3/12-B52-(F52+E52),0)=H51+C52=IF(G52>0,I51+1,IF(I51>=9999,I51+1,9999))=J51+1=+A52+1=IF(G52>(B52-C52),$H$7,G52+C53)=G52*$G$3/12=IF(G52>(B53-C53),B53-C53,G52)=G52*$O$3/12=MAX(G52+G52*$G$3/12-B53-(F53+E53),0)=H52+C53=IF(G53>0,I52+1,IF(I52>=9999,I52+1,9999))=J52+1=+A53+1=IF(G53>(B53-C53),$H$7,G53+C54)=G53*$G$3/12=IF(G53>(B54-C54),B54-C54,G53)=G53*$O$3/12=MAX(G53+G53*$G$3/12-B54-(F54+E54),0)=H53+C54=IF(G54>0,I53+1,IF(I53>=9999,I53+1,9999))=J53+1=+A54+1=IF(G54>(B54-C54),$H$7,G54+C55)=G54*$G$3/12=IF(G54>(B55-C55),B55-C55,G54)=G54*$O$3/12=MAX(G54+G54*$G$3/12-B55-(F55+E55),0)=H54+C55=IF(G55>0,I54+1,IF(I54>=9999,I54+1,9999))=J54+1=+A55+1=IF(G55>(B55-C55),$H$7,G55+C56)=G55*$G$3/12=IF(G55>(B56-C56),B56-C56,G55)=G55*$O$3/12=MAX(G55+G55*$G$3/12-B56-(F56+E56),0)=H55+C56=IF(G56>0,I55+1,IF(I55>=9999,I55+1,9999))=J55+1=+A56+1=IF(G56>(B56-C56),$H$7,G56+C57)=G56*$G$3/12=IF(G56>(B57-C57),B57-C57,G56)=G56*$O$3/12=MAX(G56+G56*$G$3/12-B57-(F57+E57),0)=H56+C57=IF(G57>0,I56+1,IF(I56>=9999,I56+1,9999))=J56+1=+A57+1=IF(G57>(B57-C57),$H$7,G57+C58)=G57*$G$3/12=IF(G57>(B58-C58),B58-C58,G57)=G57*$O$3/12=MAX(G57+G57*$G$3/12-B58-(F58+E58),0)=H57+C58=IF(G58>0,I57+1,IF(I57>=9999,I57+1,9999))=J57+1=+A58+1=IF(G58>(B58-C58),$H$7,G58+C59)=G58*$G$3/12=IF(G58>(B59-C59),B59-C59,G58)=G58*$O$3/12=MAX(G58+G58*$G$3/12-B59-(F59+E59),0)=H58+C59=IF(G59>0,I58+1,IF(I58>=9999,I58+1,9999))=J58+1=+A59+1=IF(G59>(B59-C59),$H$7,G59+C60)=G59*$G$3/12=IF(G59>(B60-C60),B60-C60,G59)=G59*$O$3/12=MAX(G59+G59*$G$3/12-B60-(F60+E60),0)=H59+C60=IF(G60>0,I59+1,IF(I59>=9999,I59+1,9999))=J59+1=+A60+1=IF(G60>(B60-C60),$H$7,G60+C61)=G60*$G$3/12=IF(G60>(B61-C61),B61-C61,G60)=G60*$O$3/12=MAX(G60+G60*$G$3/12-B61-(F61+E61),0)=H60+C61=IF(G61>0,I60+1,IF(I60>=9999,I60+1,9999))=J60+1=+A61+1=IF(G61>(B61-C61),$H$7,G61+C62)=G61*$G$3/12=IF(G61>(B62-C62),B62-C62,G61)=G61*$O$3/12=MAX(G61+G61*$G$3/12-B62-(F62+E62),0)=H61+C62=IF(G62>0,I61+1,IF(I61>=9999,I61+1,9999))=J61+1=+A62+1=IF(G62>(B62-C62),$H$7,G62+C63)=G62*$G$3/12=IF(G62>(B63-C63),B63-C63,G62)=G62*$O$3/12=MAX(G62+G62*$G$3/12-B63-(F63+E63),0)=H62+C63=IF(G63>0,I62+1,IF(I62>=9999,I62+1,9999))=J62+1=+A63+1=IF(G63>(B63-C63),$H$7,G63+C64)=G63*$G$3/12=IF(G63>(B64-C64),B64-C64,G63)=G63*$O$3/12=MAX(G63+G63*$G$3/12-B64-(F64+E64),0)=H63+C64=IF(G64>0,I63+1,IF(I63>=9999,I63+1,9999))=J63+1=+A64+1=IF(G64>(B64-C64),$H$7,G64+C65)=G64*$G$3/12=IF(G64>(B65-C65),B65-C65,G64)=G64*$O$3/12=MAX(G64+G64*$G$3/12-B65-(F65+E65),0)=H64+C65=IF(G65>0,I64+1,IF(I64>=9999,I64+1,9999))=J64+1=+A65+1=IF(G65>(B65-C65),$H$7,G65+C66)=G65*$G$3/12=IF(G65>(B66-C66),B66-C66,G65)=G65*$O$3/12=MAX(G65+G65*$G$3/12-B66-(F66+E66),0)=H65+C66=IF(G66>0,I65+1,IF(I65>=9999,I65+1,9999))=J65+1=+A66+1=IF(G66>(B66-C66),$H$7,G66+C67)=G66*$G$3/12=IF(G66>(B67-C67),B67-C67,G66)=G66*$O$3/12=MAX(G66+G66*$G$3/12-B67-(F67+E67),0)=H66+C67=IF(G67>0,I66+1,IF(I66>=9999,I66+1,9999))=J66+1=+A67+1=IF(G67>(B67-C67),$H$7,G67+C68)=G67*$G$3/12=IF(G67>(B68-C68),B68-C68,G67)=G67*$O$3/12=MAX(G67+G67*$G$3/12-B68-(F68+E68),0)=H67+C68=IF(G68>0,I67+1,IF(I67>=9999,I67+1,9999))=J67+1=+A68+1=IF(G68>(B68-C68),$H$7,G68+C69)=G68*$G$3/12=IF(G68>(B69-C69),B69-C69,G68)=G68*$O$3/12=MAX(G68+G68*$G$3/12-B69-(F69+E69),0)=H68+C69=IF(G69>0,I68+1,IF(I68>=9999,I68+1,9999))=J68+1=+A69+1=IF(G69>(B69-C69),$H$7,G69+C70)=G69*$G$3/12=IF(G69>(B70-C70),B70-C70,G69)=G69*$O$3/12=MAX(G69+G69*$G$3/12-B70-(F70+E70),0)=H69+C70=IF(G70>0,I69+1,IF(I69>=9999,I69+1,9999))=J69+1=+A70+1=IF(G70>(B70-C70),$H$7,G70+C71)=G70*$G$3/12=IF(G70>(B71-C71),B71-C71,G70)=G70*$O$3/12=MAX(G70+G70*$G$3/12-B71-(F71+E71),0)=H70+C71=IF(G71>0,I70+1,IF(I70>=9999,I70+1,9999))=J70+1=+A71+1=IF(G71>(B71-C71),$H$7,G71+C72)=G71*$G$3/12=IF(G71>(B72-C72),B72-C72,G71)=G71*$O$3/12=MAX(G71+G71*$G$3/12-B72-(F72+E72),0)=H71+C72=IF(G72>0,I71+1,IF(I71>=9999,I71+1,9999))=J71+1=+A72+1=IF(G72>(B72-C72),$H$7,G72+C73)=G72*$G$3/12=IF(G72>(B73-C73),B73-C73,G72)=G72*$O$3/12=MAX(G72+G72*$G$3/12-B73-(F73+E73),0)=H72+C73=IF(G73>0,I72+1,IF(I72>=9999,I72+1,9999))=J72+1=+A73+1=IF(G73>(B73-C73),$H$7,G73+C74)=G73*$G$3/12=IF(G73>(B74-C74),B74-C74,G73)=G73*$O$3/12=MAX(G73+G73*$G$3/12-B74-(F74+E74),0)=H73+C74=IF(G74>0,I73+1,IF(I73>=9999,I73+1,9999))=J73+1=+A74+1=IF(G74>(B74-C74),$H$7,G74+C75)=G74*$G$3/12=IF(G74>(B75-C75),B75-C75,G74)=G74*$O$3/12=MAX(G74+G74*$G$3/12-B75-(F75+E75),0)=H74+C75=IF(G75>0,I74+1,IF(I74>=9999,I74+1,9999))=J74+1=+A75+1=IF(G75>(B75-C75),$H$7,G75+C76)=G75*$G$3/12=IF(G75>(B76-C76),B76-C76,G75)=G75*$O$3/12=MAX(G75+G75*$G$3/12-B76-(F76+E76),0)=H75+C76=IF(G76>0,I75+1,IF(I75>=9999,I75+1,9999))=J75+1=+A76+1=IF(G76>(B76-C76),$H$7,G76+C77)=G76*$G$3/12=IF(G76>(B77-C77),B77-C77,G76)=G76*$O$3/12=MAX(G76+G76*$G$3/12-B77-(F77+E77),0)=H76+C77=IF(G77>0,I76+1,IF(I76>=9999,I76+1,9999))=J76+1=+A77+1=IF(G77>(B77-C77),$H$7,G77+C78)=G77*$G$3/12=IF(G77>(B78-C78),B78-C78,G77)=G77*$O$3/12=MAX(G77+G77*$G$3/12-B78-(F78+E78),0)=H77+C78=IF(G78>0,I77+1,IF(I77>=9999,I77+1,9999))=J77+1=+A78+1=IF(G78>(B78-C78),$H$7,G78+C79)=G78*$G$3/12=IF(G78>(B79-C79),B79-C79,G78)=G78*$O$3/12=MAX(G78+G78*$G$3/12-B79-(F79+E79),0)=H78+C79=IF(G79>0,I78+1,IF(I78>=9999,I78+1,9999))=J78+1=+A79+1=IF(G79>(B79-C79),$H$7,G79+C80)=G79*$G$3/12=IF(G79>(B80-C80),B80-C80,G79)=G79*$O$3/12=MAX(G79+G79*$G$3/12-B80-(F80+E80),0)=H79+C80=IF(G80>0,I79+1,IF(I79>=9999,I79+1,9999))=J79+1=+A80+1=IF(G80>(B80-C80),$H$7,G80+C81)=G80*$G$3/12=IF(G80>(B81-C81),B81-C81,G80)=G80*$O$3/12=MAX(G80+G80*$G$3/12-B81-(F81+E81),0)=H80+C81=IF(G81>0,I80+1,IF(I80>=9999,I80+1,9999))=J80+1=+A81+1=IF(G81>(B81-C81),$H$7,G81+C82)=G81*$G$3/12=IF(G81>(B82-C82),B82-C82,G81)=G81*$O$3/12=MAX(G81+G81*$G$3/12-B82-(F82+E82),0)=H81+C82=IF(G82>0,I81+1,IF(I81>=9999,I81+1,9999))=J81+1=+A82+1=IF(G82>(B82-C82),$H$7,G82+C83)=G82*$G$3/12=IF(G82>(B83-C83),B83-C83,G82)=G82*$O$3/12=MAX(G82+G82*$G$3/12-B83-(F83+E83),0)=H82+C83=IF(G83>0,I82+1,IF(I82>=9999,I82+1,9999))=J82+1=+A83+1=IF(G83>(B83-C83),$H$7,G83+C84)=G83*$G$3/12=IF(G83>(B84-C84),B84-C84,G83)=G83*$O$3/12=MAX(G83+G83*$G$3/12-B84-(F84+E84),0)=H83+C84=IF(G84>0,I83+1,IF(I83>=9999,I83+1,9999))=J83+1=+A84+1=IF(G84>(B84-C84),$H$7,G84+C85)=G84*$G$3/12=IF(G84>(B85-C85),B85-C85,G84)=G84*$O$3/12=MAX(G84+G84*$G$3/12-B85-(F85+E85),0)=H84+C85=IF(G85>0,I84+1,IF(I84>=9999,I84+1,9999))=J84+1=+A85+1=IF(G85>(B85-C85),$H$7,G85+C86)=G85*$G$3/12=IF(G85>(B86-C86),B86-C86,G85)=G85*$O$3/12=MAX(G85+G85*$G$3/12-B86-(F86+E86),0)=H85+C86=IF(G86>0,I85+1,IF(I85>=9999,I85+1,9999))=J85+1=+A86+1=IF(G86>(B86-C86),$H$7,G86+C87)=G86*$G$3/12=IF(G86>(B87-C87),B87-C87,G86)=G86*$O$3/12=MAX(G86+G86*$G$3/12-B87-(F87+E87),0)=H86+C87=IF(G87>0,I86+1,IF(I86>=9999,I86+1,9999))=J86+1=+A87+1=IF(G87>(B87-C87),$H$7,G87+C88)=G87*$G$3/12=IF(G87>(B88-C88),B88-C88,G87)=G87*$O$3/12=MAX(G87+G87*$G$3/12-B88-(F88+E88),0)=H87+C88=IF(G88>0,I87+1,IF(I87>=9999,I87+1,9999))=J87+1=+A88+1=IF(G88>(B88-C88),$H$7,G88+C89)=G88*$G$3/12=IF(G88>(B89-C89),B89-C89,G88)=G88*$O$3/12=MAX(G88+G88*$G$3/12-B89-(F89+E89),0)=H88+C89=IF(G89>0,I88+1,IF(I88>=9999,I88+1,9999))=J88+1=+A89+1=IF(G89>(B89-C89),$H$7,G89+C90)=G89*$G$3/12=IF(G89>(B90-C90),B90-C90,G89)=G89*$O$3/12=MAX(G89+G89*$G$3/12-B90-(F90+E90),0)=H89+C90=IF(G90>0,I89+1,IF(I89>=9999,I89+1,9999))=J89+1=+A90+1=IF(G90>(B90-C90),$H$7,G90+C91)=G90*$G$3/12=IF(G90>(B91-C91),B91-C91,G90)=G90*$O$3/12=MAX(G90+G90*$G$3/12-B91-(F91+E91),0)=H90+C91=IF(G91>0,I90+1,IF(I90>=9999,I90+1,9999))=J90+1=+A91+1=IF(G91>(B91-C91),$H$7,G91+C92)=G91*$G$3/12=IF(G91>(B92-C92),B92-C92,G91)=G91*$O$3/12=MAX(G91+G91*$G$3/12-B92-(F92+E92),0)=H91+C92=IF(G92>0,I91+1,IF(I91>=9999,I91+1,9999))=J91+1=+A92+1=IF(G92>(B92-C92),$H$7,G92+C93)=G92*$G$3/12=IF(G92>(B93-C93),B93-C93,G92)=G92*$O$3/12=MAX(G92+G92*$G$3/12-B93-(F93+E93),0)=H92+C93=IF(G93>0,I92+1,IF(I92>=9999,I92+1,9999))=J92+1=+A93+1=IF(G93>(B93-C93),$H$7,G93+C94)=G93*$G$3/12=IF(G93>(B94-C94),B94-C94,G93)=G93*$O$3/12=MAX(G93+G93*$G$3/12-B94-(F94+E94),0)=H93+C94=IF(G94>0,I93+1,IF(I93>=9999,I93+1,9999))=J93+1=+A94+1=IF(G94>(B94-C94),$H$7,G94+C95)=G94*$G$3/12=IF(G94>(B95-C95),B95-C95,G94)=G94*$O$3/12=MAX(G94+G94*$G$3/12-B95-(F95+E95),0)=H94+C95=IF(G95>0,I94+1,IF(I94>=9999,I94+1,9999))=J94+1=+A95+1=IF(G95>(B95-C95),$H$7,G95+C96)=G95*$G$3/12=IF(G95>(B96-C96),B96-C96,G95)=G95*$O$3/12=MAX(G95+G95*$G$3/12-B96-(F96+E96),0)=H95+C96=IF(G96>0,I95+1,IF(I95>=9999,I95+1,9999))=J95+1=+A96+1=IF(G96>(B96-C96),$H$7,G96+C97)=G96*$G$3/12=IF(G96>(B97-C97),B97-C97,G96)=G96*$O$3/12=MAX(G96+G96*$G$3/12-B97-(F97+E97),0)=H96+C97=IF(G97>0,I96+1,IF(I96>=9999,I96+1,9999))=J96+1=+A97+1=IF(G97>(B97-C97),$H$7,G97+C98)=G97*$G$3/12=IF(G97>(B98-C98),B98-C98,G97)=G97*$O$3/12=MAX(G97+G97*$G$3/12-B98-(F98+E98),0)=H97+C98=IF(G98>0,I97+1,IF(I97>=9999,I97+1,9999))=J97+1=+A98+1=IF(G98>(B98-C98),$H$7,G98+C99)=G98*$G$3/12=IF(G98>(B99-C99),B99-C99,G98)=G98*$O$3/12=MAX(G98+G98*$G$3/12-B99-(F99+E99),0)=H98+C99=IF(G99>0,I98+1,IF(I98>=9999,I98+1,9999))=J98+1=+A99+1=IF(G99>(B99-C99),$H$7,G99+C100)=G99*$G$3/12=IF(G99>(B100-C100),B100-C100,G99)=G99*$O$3/12=MAX(G99+G99*$G$3/12-B100-(F100+E100),0)=H99+C100=IF(G100>0,I99+1,IF(I99>=9999,I99+1,9999))=J99+1 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