*E01
[ EDIT LOAN HELP ]
In the edit mode, payments can be edited or added to the loan. If
the loan is adjustable, rates can also be  edited.  To  modify  a
value, high-light it with the cursor and type  the  change.  Pay-
ments can be edited in four ways:
     1. The desired amount can be typed in directly.
     2. A larger-than-normal payment can be made by typing "+"
        followed by the extra amount (e.g. +200,ENTER).
     3. If a  payment is to be changed to the minimum payment,
        press ENTER at the high-lighted position.
     4. If a balloon  payoff is to be made, press  "P",ENTER.
Interest rates can be changed by typing the new  value  directly.
With adjustable loans, any change in a rate will cause the  rates
for  the whole rate period to be modified because different rates
are not allowed in one rate period. Any change  in a  payment  or
rate will cause the entire  loan to be amended appropriately.  To
jump to another part of the list, type "J", then the payment num-
ber to move to, and ENTER (e.g. J200,ENTER).  Asterisk marks  the
rate  change periods for adjustable loans, and the pound charact-
er (#) marks payment change periods.

                 PRESS <SPACE> FOR KEY HELP
*E02
[ ENTER DAY OF PAYMENT HELP ]

Enter the  day that  the payment is made.  To default to the same
day of the month as the previous payment, press ENTER.

*E03
[ ENTER NEW INTEREST RATE HELP ]

This is the first payment of a new rate adjustment period.  Enter
the new rate or press ENTER if the rate is unchanged.

*E04
[ ADD A PAYMENT HELP ]

A payment can be entered in four ways:

     1. The desired amount can be typed in directly.

     2. A larger-than-normal payment can be made by typing "+"
        followed by the extra amount (e.g. +200,ENTER).

     3. If a  payment is to be changed to the minimum payment,
        press ENTER at the high-lighted position.

     4. If a balloon  payoff is to be made, press  "P",ENTER.

*E05
[ WHAT TO DO WITH PAYMENT HELP ]

Choose what to do with the newly entered payment using  the  fol-
lowing key selections:

                 F2...Replicate the payment.

                 F3...Accept the single payment as shown.

                 F4...Redo the payment addition.

                ESC...Cancel payment addition.

*E06
[ REPLICATE NEW PAYMENT HELP ]

Here the newly added payment can be replicated to cover many pay-
ment periods. In the dialog box enter the payment number to which
the payment is to be extended. If the payment is to extend to the
end of the loan press ENTER.  The amortization table will be mod-
ified to reflect the payment additions.

*E07
[ REPLICATE PAYMENT EDIT HELP ]

Here a change can be made over an interval of payments, from  the
cursor location to payment number chosen in  the  dialog  window.
First enter the payment change in the dialog window in one of the
three following ways:

     1. The desired amount can be typed in directly.

     2. A larger-than-normal payment can be made by typing "+"
        followed by the extra amount (e.g. +200,ENTER).

     3. If a  payment is to be changed to the minimum payment,
        press ENTER at the high-lighted position.

After entering the payment change, enter the last payment  number
in the interval to be changed. If the  change  is  to  cover  all
remaining payments press ENTER.

*E08
[ REPLICATE RATE EDIT HELP ]

Here a change can be made over an interval  of  rates,  from  the
cursor location to payment number chosen in  the  dialog  window.
The rate can be entered in the dialog window by either typing  in
new rate value or by pressing ENTER to use the rate at the cursor
position on the listing.

After entering the rate change, enter the last payment number  in
the interval to be changed. If the change  is  to  cover all  re-
maining payments press ENTER.  Note that the program will not al-
llow different rate values in any one rate period,  so  that  the
interval chosen might be adjusted to prevent this from happening.

*E09
[ CLEAR LOAN HELP ]

This selection clears all payments from the  loan.  Make  certain
that the loan as shown here is saved or that there is no  further
use for it before proceeding.

*E10
[ RATE EDIT HELP ]

Rate edit provides a way to quickly change the rates in  a  loan.
Here is listed  the  current  rates  for  each  rate  period.  To
change a rate high-light it with the cursor and type in  the  new
value. The change will be reflected for all rates in that period.
If you want to do exploratory mass pattern changes of the  rates,
press <F3>.

                 PRESS <SPACE> FOR KEY HELP
*E11
[ MASS RATE EDIT HELP ]

This option is largely for exploratory "what if" analysis of  ad-
justable loans.  It  allows  you to rapidly modify all or part of
the rates for a loan with a regular pattern.  You have three ways
to modify the rates. Linear  will  modify the rates by increasing
and  decreasing them in a linear  fashion. Sine changes the rates
so that they vary with a sine wave curve.   Random  scrambles the
rates in an unpredictable, gradual manner.   It's  probably about
as good as any way of predicting future interest rates.

Cycle determines number of rate periods that will be required  to
complete a full linear or sine cycle.  Amplitude  sets,  approxi-
mately, the maximum change from the initial rate that the pattern
increases and decreases.

You can repeatedly carry out several modifications to create com-
plex patterns. The rate modification pattern that you set up will
begin at the rate high-lighted by the cursor.

*
