BANKER'S DELIGHT
                              
                              By Tracy Garrison

     This program is really seven individual program all wrapped
up in GEM clothing. Six of the programs have to do with banking and
the other program, DAYS DATE, I thought was fun to play around with
so I just threw it in.

     If you use these programs and find them useful then a $15.00
donation for my computer addiction would me very helpful.

     Comments and Suggestions for making this a better program are
very welcome bye email. USER-ID COMPUSERVE [74676,1164].
                        USER-NAME DELPHI  HOZIER.

                         TRACY GARRISON
                         2636 SOUTH 4TH
                         SPRINGFIELD, IL 62703


                                   
                              THE PROGRAMS
                    ================================ 

DAYS DATE
=========

     This program does not have anything to do with banking, but 
I thought it was of some interest, and I use it a lot myself.

     Type in the Month, Day and Year and the program will give you
the day of the week that date falls on.


REGULAR PAYMENT
===============

      Input:  principal,term of loan, annual interest rate, and
              number of payments per year.

      Output: REGULAR PAYMENT


LAST PAYMENT
============

      Input:  principal, regular payment, term of loan, 
              annual interest rate, and number of payments per year.
      
      Output: The amount of the last payment.


PRINCIPAL
=========

      Input:  regular payment, term of loan, annual interest rate,
              and number of payments per year.
     
      Output: The amount of mony borrowed (PRINCIPAL).


TERM OF LOAN
============

      Input:  principal, regular payment, annual interest rate,
              and number of payments per year.

      Output: The length of the loan in years and months (Term of loan).


INTEREST
========

      Input:  principal, regular payment, term of loan,
              and number of payments per year.
     
      Output: Annual Interest Rate.


AMORTIZATION TABLE
==================

     Input:  principal, regular payment, annual interest rate,
             term of loan, payments per year.

     Ouput:  an AMORTIZATION TABLE showing how much interest you have
             paid by the month, year, all together.



notes: these programs are all independent modules, but I created a path
       so that one program can share its data with the other programs.

       If you want the programs to share data then go to the Settings
       Menu and click on the menu item named GLOBAL.  This makes
       the programs initialize with the results of the program that
       was previously run.