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[null,null,"Driver 1","Driver 2","Driver 3","Driver 4"]
["Inputs"]
[null,"Period",null,null,null,null,null,0,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30]
[null,"Interest Rate Code",3]
[null,"Varying Interest Rate",null,null,null,null,null,2.5000000000000001E-2,2.6500000000000003E-2,2.6500000000000003E-2,2.6500000000000003E-2,2.6500000000000003E-2,2.7999999999999997E-2,2.7999999999999997E-2,2.7999999999999997E-2,2.7999999999999997E-2,2.7999999999999997E-2,0.03,0.03,0.03,0.03,0.03,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2,3.1E-2]
[null,"Flat Interest Rate",null,null,null,null,null,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2,2.5000000000000001E-2]
[null,"Steep Interest Rates",null,null,null,null,null,2.5000000000000001E-2,{"$f":"H7*1.03","v":2.5750000000000002E-2},{"$f":"I7*1.03","v":2.6522500000000004E-2},2.7318175000000004E-2,2.8137720250000005E-2,2.8981851857500004E-2,2.9851307413225007E-2,3.0746846635621758E-2,3.1669252034690412E-2,3.2619329595731127E-2,3.3597909483603063E-2,3.4605846768111154E-2,3.5644022171154491E-2,3.6713342836289124E-2,3.7814743121377802E-2,3.8949185415019134E-2,4.0117660977469709E-2,4.1321190806793799E-2,4.2560826530997617E-2,4.3837651326927546E-2,4.5152780866735374E-2,4.6507364292737434E-2,4.7902585221519557E-2,4.9339662778165143E-2,5.0819852661510095E-2,5.2344448241355403E-2,5.3914781688596064E-2,5.5532225139253946E-2,5.7198191893431567E-2,5.8914137650234517E-2,6.0681561779741551E-2]
[]
[null,{"$f":"INDEX(B5:B7,$C$4)","v":"Steep Interest Rates"},null,null,null,null,null,{"$f":"INDEX(H5:H7,$C$4)","v":2.5000000000000001E-2},2.5750000000000002E-2,2.6522500000000004E-2,2.7318175000000004E-2,2.8137720250000005E-2,2.8981851857500004E-2,2.9851307413225007E-2,3.0746846635621758E-2,3.1669252034690412E-2,3.2619329595731127E-2,3.3597909483603063E-2,3.4605846768111154E-2,3.5644022171154491E-2,3.6713342836289124E-2,3.7814743121377802E-2,3.8949185415019134E-2,4.0117660977469709E-2,4.1321190806793799E-2,4.2560826530997617E-2,4.3837651326927546E-2,4.5152780866735374E-2,4.6507364292737434E-2,4.7902585221519557E-2,4.9339662778165143E-2,5.0819852661510095E-2,5.2344448241355403E-2,5.3914781688596064E-2,5.5532225139253946E-2,5.7198191893431567E-2,5.8914137650234517E-2,6.0681561779741551E-2]
[]
[null,"Tenure",null,20]
[null,"Debt Balance",null,1000]
[null,"Repayment Function Applied",null,4,null,"Simple PMT"]
[null,null,null,null,null,"PPMT Function with Changing Rates"]
[null,null,null,null,null,"Remaining Life PMT"]
[null,null,null,null,null,"Function for Remaining Life PMT"]
[]
["Alternative Payment and Repayment Calculations"]
[null,"Repayment Flag",1,{"$f":"D11","v":20},null,null,null,{"$f":"AND(H3>=$C$19,H3<=$D$19)*1","v":0},{"$f":"AND(I3>=$C$19,I3<=$D$19)*1","v":1},1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,0,0,0,0,0,0,0,0,0,0]
[null,"Simple Payment",{"$f":"H9","v":2.5000000000000001E-2},{"$f":"D11","v":20},{"$f":"D12","v":1000},{"$f":"PMT(C20,D20,-E20)","v":64.14712873447445},null,{"$f":"$F$20*H19","v":0},{"$f":"$F$20*I19","v":64.14712873447445},64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,64.14712873447445,0,0,0,0,0,0,0,0,0,0]
[null,"PPMT",{"$f":"C20","v":2.5000000000000001E-2},{"$f":"D20","v":20},1000,null,null,{"$f":"IF(H19,PPMT($C$21,H3,$D$21,-$E$21))","v":false},{"$f":"IF(I19,PPMT(I9,I3,$D$21,-$E$21))","v":38.852464725886293},{"$f":"IF(J19,PPMT(J9,J3,$D$21,-$E$21))","v":39.573258465027855},40.359959422529748,41.218408912611181,42.155110271704977,43.177319090257463,44.293147572434108,45.51168552201009,46.843140944995284,48.299003858658821,49.892237627893174,51.637503045119438,53.551421469305076,55.652884693916043,57.96342088720283,60.507628023226573,63.313688803429422,66.413984291017627,69.845827517405056,73.652343395690153,false,false,false,false,false,false,false,false,false,false]
[]
[null,"Remaining Period",{"$f":"D11","v":20},null,null,null,null,{"$f":"IF(H3=1,$C$23,G23-1)*H19","v":0},{"$f":"IF(I3=1,$C$23,H23-1)*I19","v":20},19,18,17,16,15,14,13,12,11,10,9,8,7,6,5,4,3,2,1,0,0,0,0,0,0,0,0,0,0]
[null,"Opening Balance",{"$f":"D12","v":1000},null,null,null,null,{"$f":"IF(H3=1,$C$24,G24-G27)","v":0},{"$f":"IF(I3=1,$C$24,H24-H27)","v":1000},961.14753527411369,921.58669353769994,881.26543593116548,840.12755089325196,798.11224525888076,755.15368780278402,711.1804989351491,666.11517933001812,619.87346919279639,572.36362862404485,523.48562808206748,473.13023625019821,421.1779906327838,367.49803388499697,311.94679616418313,254.36650060081786,194.58346523723185,132.40617036644551,67.623054994985836,-1.4210854715202004E-14,-1.4871764112353068E-14,-1.5584160060139398E-14,-1.6353077262187627E-14,-1.7184138239214293E-14,-1.8083632473849141E-14,-1.9058607570813523E-14,-2.011697445727663E-14,-2.12676290225992E-14,-2.2520593046330731E-14]
[null,"Payment",null,null,null,null,null,{"$f":"IF(H19,PMT(H9,H23,-H24))","v":false},{"$f":"IF(I19,PMT(I9,I23,-I24))","v":64.602464725886293},65.052877240721429,65.497324178268713,65.934685340138955,66.363757855763751,66.783251439578819,67.191783492831291,67.587874068065091,67.969940720507125,68.336293277978129,68.685128569781185,69.014525165507223,69.322438187082426,69.606694271943638,69.864986782255599,70.094871374887802,70.293762069768832,70.45892798054858,70.587490901517683,70.676423978713643,false,false,false,false,false,false,false,false,false,false]
[null,"Intrest",null,null,null,null,null,{"$f":"H24*H9","v":0},{"$f":"I24*I9","v":25.750000000000004},{"$f":"J24*J9","v":25.492035504307683},25.17606657173426,24.796800302225439,24.348452221392524,23.824693983482081,23.218594625196392,22.522554462934114,21.728230583285406,20.826452709226583,19.807128027803774,18.659133333637946,17.370192569667996,15.926737524156785,14.313749061441731,12.514575811522548,10.510726706182824,8.2816331097622289,5.8043755300580049,3.0533689837277906,-6.6090939715106506E-16,-7.1239594778632904E-16,-7.6891720204822773E-16,-8.3106097702666606E-16,-8.9949423463484869E-16,-9.7497509696438279E-16,-1.0583668864631063E-15,-1.15065456532257E-15,-1.2529640237315318E-15,-1.3665847582573362E-15]
[null,"Repayment",null,null,null,{"$f":"SUM(H27:AL27)","v":1000.0000000000001},null,{"$f":"H25-H26","v":0},{"$f":"I25-I26","v":38.852464725886293},{"$f":"J25-J26","v":39.560841736413749},40.321257606534452,41.13788503791352,42.015305634371231,42.958557456096742,43.973188867634903,45.065319605130981,46.241710137221716,47.509840568751542,48.878000541977414,50.355391831869277,51.952245617414434,53.679956747786854,55.551237720813866,57.580295563365254,59.783035363586009,62.177294870786355,64.783115371459672,67.62305499498585,6.6090939715106506E-16,7.1239594778632904E-16,7.6891720204822773E-16,8.3106097702666606E-16,8.9949423463484869E-16,9.7497509696438279E-16,1.0583668864631063E-15,1.15065456532257E-15,1.2529640237315318E-15,1.3665847582573362E-15]
[null,"Repayment Percent",null,null,null,{"$f":"SUM(H28:AL28)","v":0.99999999999999989},null,null,{"$f":"I27/$F$27","v":3.8852464725886285E-2},{"$f":"J27/$F$27","v":3.9560841736413742E-2},4.0321257606534447E-2,4.1137885037913519E-2,4.2015305634371225E-2,4.2958557456096738E-2,4.3973188867634898E-2,4.5065319605130973E-2,4.6241710137221712E-2,4.7509840568751537E-2,4.8878000541977405E-2,5.0355391831869274E-2,5.1952245617414426E-2,5.3679956747786847E-2,5.5551237720813856E-2,5.7580295563365247E-2,5.9783035363586E-2,6.2177294870786347E-2,6.4783115371459671E-2,6.7623054994985846E-2,6.6090939715106499E-19,7.1239594778632897E-19,7.689172020482276E-19,8.3106097702666601E-19,8.994942346348485E-19,9.7497509696438265E-19,1.0583668864631062E-18,1.1506545653225698E-18,1.2529640237315317E-18,1.3665847582573361E-18]
[]
[null,"Interest Rate",null,null,null,null,null,{"$f":"H9","v":2.5000000000000001E-2},{"$f":"I9","v":2.5750000000000002E-2},2.6522500000000004E-2,2.7318175000000004E-2,2.8137720250000005E-2,2.8981851857500004E-2,2.9851307413225007E-2,3.0746846635621758E-2,3.1669252034690412E-2,3.2619329595731127E-2,3.3597909483603063E-2,3.4605846768111154E-2,3.5644022171154491E-2,3.6713342836289124E-2,3.7814743121377802E-2,3.8949185415019134E-2,4.0117660977469709E-2,4.1321190806793799E-2,4.2560826530997617E-2,4.3837651326927546E-2,4.5152780866735374E-2,4.6507364292737434E-2,4.7902585221519557E-2,4.9339662778165143E-2,5.0819852661510095E-2,5.2344448241355403E-2,5.3914781688596064E-2,5.5532225139253946E-2,5.7198191893431567E-2,5.8914137650234517E-2,6.0681561779741551E-2]
[null,"Repayment Flag",null,null,null,null,null,{"$f":"H19","v":0},{"$f":"I19","v":1},1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,1,0,0,0,0,0,0,0,0,0,0]
[]
[null,"Repayment Fuction",null,null,null,{"$f":"SUM(I33:AL33)","v":1},null,null,{"$f":"repayment_varying_rate(D11,I9:AL9)","v":3.8852464725886292E-2},3.9560841736413735E-2,4.0321257606534454E-2,4.1137885037913519E-2,4.2015305634371225E-2,4.2958557456096724E-2,4.3973188867634891E-2,4.5065319605130973E-2,4.6241710137221725E-2,4.7509840568751557E-2,4.8878000541977426E-2,5.0355391831869295E-2,5.1952245617414419E-2,5.3679956747786847E-2,5.555123772081387E-2,5.7580295563365247E-2,5.9783035363586E-2,6.2177294870786347E-2,6.4783115371459657E-2,6.7623054994985832E-2,0,0,0,0,0,0,0,0,0,0]
[null,"Repayment Using Function",{"$f":"D12","v":1000},null,null,null,null,null,{"$f":"$C$34*I33","v":38.852464725886293},{"$f":"$C$34*J33","v":39.560841736413735},40.321257606534452,41.13788503791352,42.015305634371224,42.958557456096727,43.973188867634889,45.065319605130973,46.241710137221723,47.509840568751557,48.878000541977428,50.355391831869298,51.95224561741442,53.679956747786846,55.551237720813873,57.580295563365247,59.783035363586002,62.177294870786348,64.783115371459658,67.623054994985836,0,0,0,0,0,0,0,0,0,0]
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[null,"Repayment and No Flag",null,null,{"$f":"D11","v":20},{"$f":"SUM(I36:AL36)","v":1},null,null,{"$f":"repayment_varying_rate(E36,I30:AL30)","v":3.8852464725886292E-2},3.9560841736413735E-2,4.0321257606534454E-2,4.1137885037913519E-2,4.2015305634371225E-2,4.2958557456096724E-2,4.3973188867634891E-2,4.5065319605130973E-2,4.6241710137221725E-2,4.7509840568751557E-2,4.8878000541977426E-2,5.0355391831869295E-2,5.1952245617414419E-2,5.3679956747786847E-2,5.555123772081387E-2,5.7580295563365247E-2,5.9783035363586E-2,6.2177294870786347E-2,6.4783115371459657E-2,6.7623054994985832E-2,0,0,0,0,0,0,0,0,0,0]
[null,"Repayment with Total Line and No Flag",null,null,{"$f":"E36","v":20},{"$f":"SUM(I37:AL37)","v":0.99999999999999989},null,null,{"$f":"repayment_varying_rate(E37,30:30)","v":3.9147128734474464E-2},3.9840697776533852E-2,4.0584777700703539E-2,4.1383369767185874E-2,4.2240862324039591E-2,4.3162075285435357E-2,4.4152310429142805E-2,4.5217408359324925E-2,4.6363813115335849E-2,4.7598645564986594E-2,4.8929786905915054E-2,5.0365973816358212E-2,5.191690705286417E-2,5.3593375594589779E-2,5.5407398790566754E-2,5.7372389388205942E-2,5.9503340821017978E-2,6.1817042726337861E-2,6.4332329368203087E-2,6.7070366478778176E-2,0,0,0,0,0,0,0,0,0,0]
[null,"Repayment with Total Line and Flag",null,null,{"$f":"E37","v":20},{"$f":"SUM(I38:AL38)","v":1},null,null,{"$f":"repayment_varying_rate(E38,9:9,19:19)","v":0},3.8852464725886292E-2,3.9560841736413735E-2,4.0321257606534454E-2,4.1137885037913519E-2,4.2015305634371225E-2,4.2958557456096724E-2,4.3973188867634891E-2,4.5065319605130973E-2,4.6241710137221725E-2,4.7509840568751557E-2,4.8878000541977426E-2,5.0355391831869295E-2,5.1952245617414419E-2,5.3679956747786847E-2,5.555123772081387E-2,5.7580295563365247E-2,5.9783035363586E-2,6.2177294870786347E-2,6.4783115371459657E-2,6.7623054994985832E-2,0,0,0,0,0,0,0,0,0]
[]
[]
["Debt Balance Check"]
[]
[null,"Opening Balance",null,null,null,null,null,{"$f":"G46","v":0},{"$f":"H46","v":1000},961.14753527411369,921.58669353769994,881.26543593116548,840.12755089325196,798.11224525888076,755.15368780278402,711.1804989351491,666.11517933001812,619.87346919279639,572.36362862404485,523.48562808206748,473.13023625019821,421.1779906327838,367.49803388499697,311.94679616418307,254.36650060081783,194.58346523723182,132.40617036644548,67.623054994985822,0,0,0,0,0,0,0,0,0,0]
[null,"Add: Draw",{"$f":"D12","v":1000},null,null,null,null,{"$f":"$C$44*(H3=0)","v":1000},{"$f":"$C$44*(I3=0)","v":0},0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0,0]
[null,"Repayment",null,null,null,null,null,{"$f":"CHOOSE($D$13,H20-H47,H21,H27,H34)","v":0},{"$f":"CHOOSE($D$13,I20-I47,I21,I27,I34)","v":38.852464725886293},39.560841736413735,40.321257606534452,41.13788503791352,42.015305634371224,42.958557456096727,43.973188867634889,45.065319605130973,46.241710137221723,47.509840568751557,48.878000541977428,50.355391831869298,51.95224561741442,53.679956747786846,55.551237720813873,57.580295563365247,59.783035363586002,62.177294870786348,64.783115371459658,67.623054994985836,0,0,0,0,0,0,0,0,0,0]
[null,"Closing Balance",null,null,null,null,null,{"$f":"H43+H44-H45","v":1000},{"$f":"I43+I44-I45","v":961.14753527411369},921.58669353769994,881.26543593116548,840.12755089325196,798.11224525888076,755.15368780278402,711.1804989351491,666.11517933001812,619.87346919279639,572.36362862404485,523.48562808206748,473.13023625019821,421.1779906327838,367.49803388499697,311.94679616418307,254.36650060081783,194.58346523723182,132.40617036644548,67.623054994985822,0,0,0,0,0,0,0,0,0,0,0]
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