=== Testing Restored Partial Payment Formula ===

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║ Test Case 1: URL013572 (Using Restored Formula)             ║
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Loan Parameters:
├─ Principal: 6,397,076.00
├─ Annual Rate: 12%
├─ Monthly Rate: 0.010000
├─ Total Tenure: 36 months
└─ Installments Paid: 5

Calculation Details:
├─ (1 + r)^n = 1.430769
├─ (1 + r)^m = 1.051010
├─ Numerator: (1+r)^n - (1+r)^m = 0.379759
├─ Denominator: (1+r)^n - 1 = 0.430769
└─ Ratio: 0.881584

Results:
├─ Calculated Payoff: 5,639,557.86
├─ Previous Expected: 3,774,876.79
└─ Method: Partial Payment Formula B = P₀ * [(1+r)^n - (1+r)^m] / [(1+r)^n - 1]

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║ Test Case 2: Regular URA Loan                               ║
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Loan Parameters:
├─ Principal: 1,000,000.00
├─ Annual Rate: 12%
├─ Total Tenure: 12 months
└─ Installments Paid: 3

Results:
├─ Calculated Payoff: 761,080.29
└─ Method: Partial Payment Formula

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║ Test Case 3: Large Loan (URL002224 type)                   ║
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Loan Parameters:
├─ Principal: 18,980,000.00
├─ Annual Rate: 12%
├─ Total Tenure: 49 months
└─ Installments Paid: 15

Results:
├─ Calculated Payoff: 14,117,743.53
└─ Method: Partial Payment Formula

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║                           SUMMARY                           ║
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✓ Implementation: RESTORED from EmployeeLoanController13.php
✓ Formula: B = P₀ * [(1+r)^n - (1+r)^m] / [(1+r)^n - 1]
  Where:
  - P₀ = Original principal (requested_amount)
  - r = Monthly interest rate
  - n = Total tenure
  - m = Installments paid

Controller Path: app/Http/Controllers/EmployeeLoanController.php
Method: handleTopUpPayoffBalance() -> calculatePartialPaymentBalance()

=== Test Complete ===