Does that help?Yup, that's perfect. What I didn't understand was the 110%/120%/130% business. And I hadn't yet sorted out the periods, short-term, mid-term, or long-term. I see that I'm just about in line with the AFR - my proposed loan was for four years at 4%, compounded monthly. The AFR for August says it should be at least 3.93%. Thanks very much, Bill. President Lorenzo1st Bank of Lorenzo
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