I agree. That is why my first computer was a GUI Mac!
As to APRs, I like the portability of Richard's APRX. The OCC program is a back up.
Actually, during one on my last bank exams, my APRX was correct while the OCC's program computed the APR incorrectly, based on preprogrammed assumptions of payment dates.
_________________________
AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell