*S01
[ COLOR SETUP MENU HELP ]

Global.............Screen  backgrounds  and  foregrounds,  screen
                   titles, data fields, and input fields.

Key Guide..........Bottom screen bars and key  identifications.

Menu...............Menus, cursors, headings, and first letters.

Dialog Window......Dialog windows, entry  fields,  cursors,  data
                   fields, and information fields.

Notice Window......Notice windows and message text.

Help Window........Help windows and informational text.

Report/Edit List...Amortization and summary lists,  headings, ed-
                   it cursors, and input fields.

Calculator.........Calculator window, cursor, data/answer fields.

                 PRESS <SPACE> FOR KEY HELP
*S02
[ GLOBAL COLORS HELP ]

Back/Foreground Color....The colors of the basic screens through-
                         out the program, including loan informa-
                         tion and status reports.

Screen Title.............The color of the screen titles for  the
                         various operational modes and reports.

Data field...............The color of data or informational  text
                         which appears on the screen  outside  of
                         dialog or notice windows.

Input field..............The color of input fields  which  appear
                         on the screen outside of dialog or  not-
                         ice windows.

                 PRESS <SPACE> FOR KEY HELP
*S03
[ KEY GUIDE COLORS HELP ]

Guide Bar................The color of the key guide space at  the
                         bottom of the screens.

Key ID...................The color of the key identifications  in
                         bottom key guides.

                 PRESS <SPACE> FOR KEY HELP
*S04
[ MENU COLORS HELP ]

Window...................The background and foreground colors  of
                         the menu windows.

Cursor...................The color of  the  selection  cursor  in
                         menus.

Heading..................The color of menu headings.

First Letter.............The color of the first  letter  of  menu
                         selections.

                 PRESS <SPACE> FOR KEY HELP
*S05
[ DIALOG WINDOW COLORS HELP ]

Window...................The background and foreground colors  of
                         the dialog windows.

Entry field..............The color of the input fields in  dialog
                         windows.

Cursor...................The color of the cursor in dialog windows

Information field........The color of data or informational  text
                         which appears in dialog windows.

Data field...............The color of the data that can be  added
                         or edited in dialog windows.

                 PRESS <SPACE> FOR KEY HELP
*S06
[ NOTICE WINDOW COLORS HELP ]

Window...................The background and foreground colors  of
                         the notice windows.

Message..................The color of the message text in  notice
                         windows.

                 PRESS <SPACE> FOR KEY HELP
*S07
[ HELP WINDOW COLORS HELP ]

Window...................The background and foreground colors  of
                         the help windows.

Message..................The color of the informational  text  in
                         help windows.

                 PRESS <SPACE> FOR KEY HELP
*S08
[ REPORT/EDIT COLORS HELP ]

Window.................The background and foreground  colors  of
                       the amortization and summary list windows.

Heading................The color of the list headings.

Listed data............The color of the  data  presented  in  the
                       lists,

Summary line...........The color of quarterly, semiannual, annual
                       and interest adjustment summary  lines  in
                       lists.

Edit Cursor............The color of the cursor when editing amor-
                       tization lists.

Input Field............The color of the input field when  editing
                       and adding payments to amortization lists.

                 PRESS <SPACE> FOR KEY HELP
*S09
[ EDIT COLORS HELP ]

After choosing the display in FLAP and the item to color edit the
display is shown in the black window on the  right  side  of  the
screen. The black window is bordered in white  to  indicate  that
you are in the color edit mode and ready to begin  modifying  the
color of the chosen item.  The item to be edited is identified by
cursor on the menu to the left.

The background color of the item can be changed with the horizon-
tal arrow keys (-> <-) and the foreground with the vertical arrow
keys ().

When the desired color change is made, press F2 to go back to the
item menu. Other items can then be chosen to edit from  the  menu
until all desired changes have been made to the display.

                 PRESS <SPACE> FOR KEY HELP
*S10
[ LOAN CALCULATOR HELP ]

The Loan Calculator allows one of the 4 loan  variables,  amount,
term, interest, or payment, to be calculated on the basis of  the
other three.  First move the Answer Window to the  variable  that
you wish to calculate. Next, change one  or  more  of  the  other
three variables by moving the input cursor to  the  variable  and
typing in the new value.

The limits for values entered are loan amount,  $999,999,999.99;
term, 999 months; interest, 99.999%; and payment, $999,999,999.99.

When all desired changes are entered, press F5  to calculate  the
new value of the variable in the Answer Window. If you  want  the
answers to be calculated  immediately after each entry, press F6,
to activate the Autocalc option.  Autocalc status is displayed at
the bottom of the calculator.

If you wish to move the calculator to another area of the screen,
use the LRUD keys.

                 PRESS <SPACE> FOR KEY HELP
*S11
[ ROUND HELP ]

This option allows you to choose whether or  not  to  round  loan
parameters such as payments, principal, interest, and balance  to
the nearest cent.  These values are handled  by  the  program  as
double precision floating point numbers.  As a result, the values
shown on lists and reports will  not  be  fully  accurate  unless
the rounding option is chosen.  The inaccuracies will normally be
only a matter of a few cents.

If rounding is chosen critical values will be rounded as they are
calculated.  The rounding process will  noticeably  slow  multiple
calculation processes such as amortizations.

                 PRESS <SPACE> FOR KEY HELP
*S12
[ NEGATIVE AMORTIZATION HELP ]

Some states do not allow negative amortization (NA) of home loans
,so here you can choose to avoid it on loans prepared with FLAP.

NA occurs when a payment is too low to pay the interest due at  a
payment period.  As a result the  unpaid interest is added to the
remaining balance of the loan, and the principal paid that period
is negative rather than positive.

If the NA option is turned off,  payments  will  be automatically
adjusted so that the interest due for a period is paid except for
graduated loans.  It is best to turn on  the  option when working
with graduated loans. If you load a loan which has NA, the NA op-
tion in  setup will be  automatically  turned on for the  current
session (but will not be saved to disk).

                 PRESS <SPACE> FOR KEY HELP
*S13
[ EXTRA PAYMENTS CONSTANT HELP ]

Here you can choose to make extra payments constant when  editing
loans. If they are not held constant they will  change  when  the
properties or values of a loan are modified.  You might choose to
hold extra payments constant or "harden"  them  against  indirect
edits. This might be the case if you wish to make a certain fixed
extra payment each month and want to explore the effects  of  the
extra payment under various conditions. Setting extra payments to
constant will not protect them from direct edits, i.e.  a  direct
keying-in of a new payment amount.

You might sometimes choose not to hold extra  payments  constant.
For example, you might have a fixed payment amount that you  want
to make each month, regardless whether or not it exceeds the min-
imum payment due. In this case the overall payment can be hardened
by not making extra payments constant.

                 PRESS <SPACE> FOR KEY HELP
*S14
[ ADJUST FINAL PAYMENT HELP ]

Under some conditions, such as with rounding or 365 day years, the
loan balance might not be zero when the last minimum  payment  is
made.

You can choose with this option to have the last payment raised to
pay off the loan.

                 PRESS <SPACE> FOR KEY HELP
*S15
[ MATRIX CALCULATOR HELP ]

Whereas the pop-up loan calculator does  one  calculation  at  a
time, the Matrix Calculator can carry out  as many as  170  loan
calculations at the same time and display the results on screen.
The Matrix Calculator works with the four  basic loan variables,
loan amount, term, interest rate, and periodic payment amount.

The Matrix Calculator allows you to quickly review the effects on
one of the variables (the answer variable) of  changing  two  of
the others over a selected range and of holding the fourth  var-
iable constant. Thus, one of the variables must be chosen as  an
answer variable, another as the constant. The remaining two will
be varied over a range selected by you.  These will be the  hor-
izontal and vertical labels on a two dimensional "matrix"  table
which is filled with answers for the answer variable.

                 PRESS <SPACE> FOR KEY HELP
*S16
[ EDIT MATRIX CALCULATOR HELP ]
This dialog window allows you to customize the matrix table.  Up
to 12 different displays with a choice of row and column numbers
can be selected here.

In the "INTERVAL" column you can choose which of the 4 loan var-
iables will be the answer and  constant  parameters, and you can
choose the interval changes of the two changeable parameters.

In the "START" column the starting values of the 2 variable par-
meters can be chosen, and the value of  the  constant  parameter
can be typed in. At the far right side of the window the "R" and
"C" labels indicate which of the variable variables will be used
as vertical (ROW) and horizontal (COLUMN) headings, respectively.

At the bottom of the dialog window, you can  select  the  column
and row sizes.  You should choose the least number of  rows  and
columns needed to provide the desired information.  This is  es-
pecially important for slower computers and when  interest  rate
is the answer parameter. Interest rates take longer to calculate.

                 PRESS <SPACE> FOR KEY HELP
*S17
[ SETUP MENU  HELP ]

Loan criteria.........Select basic loan conditions such as round-
                      ing, negative amortization, extra  payments
                      constant, and adjusting final payment.

Colors................Set colors for screens.

Printer/Report setup..Select wide or narrow  paper  printouts  for
                      matrix calculator, continuous or page break
                      printouts, headings for printouts,  printer
                      port, and printer codes.

                 PRESS <SPACE> FOR KEY HELP
*S18
[ WIDE OR NARROW PAPER HELP ]

Enter here whether you want to print matrix tables on  narrow (N)
or wide (W) paper. If you choose narrow 8.5 inch wide paper, Flap
will print the reports in condensed form so that they will fit on
the paper.  Make sure that condensed print is set  up  below  for
your printer.

                 PRESS <SPACE> FOR KEY HELP

*S19
[ CONTINUOUS PRINTING OR PAGE BREAKS HELP ]

This selection sets up the conditions for  printing  amortization
lists.  If you choose the continuous mode,  the  lists  will  not
break with each page.  If you choose page break mode,  the  lists
will break, and a new heading and page number will appear at  the
top of each new page.  This setting will also determine the  page
break format of lists saved on disk.

                 PRESS <SPACE> FOR KEY HELP

*S20
[ ADDITIONAL HEADING HELP ]

Enter in these three lines any additional  information  that  you
wish to appear on printed or disk-save reports.   The information
might be your name and address or identification of your company.

                 PRESS <SPACE> FOR KEY HELP

*S21
[ PRINTER CODES HELP ]

Enter here the codes for your printer that will  instruct  it  to
turn condensed print mode on and off and to form feed. Most print-
ers can use control/escape  codes for this purpose.

The control/escape codes will originally default to those  of  an
Epson dot matrix printer.  Most other dot matrix printers will em-
mulate these codes so they will likely work with the defaults.

Refer to your printer manual to determine the correct  codes  for
these operations.

                 PRESS <SPACE> FOR KEY HELP

*S22
[ PRINTER PORT HELP ]

Select here the parallel port to which your printer is  connected
on your printer.  This will usually be LPT1, and Flap defaults to
that selection unless you change it here.

                 PRESS <SPACE> FOR KEY HELP

*
