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Analyzing ESS Balance Components
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Original Principal (PV): 5,350,013.32

=== Method 1: ESS Balance = Principal + Accrued Interest ===
Payments made (estimated): 12
Outstanding Principal: 3,774,886.19
Difference (ESS - Principal): 489,825.88
This represents 395 days of accrued interest
Daily interest amount: 1,241.06

=== Method 2: ESS Balance = Sum of Remaining Payments ===
Remaining payments: 24
Sum of remaining payments: 4,264,728.00
Difference from ESS balance: -15.93

=== Method 3: ESS Balance = Simple Deduction Tracking ===
Simple balance (Initial - Payments): 4,264,712.07
Difference from ESS balance: 0.00

=== Method 4: Reverse Engineering ESS Balance ===
Factor (ESS Balance / Simple Balance): 1.000000
Possible months of interest included: 12.98

=== Final Analysis ===
ESS Balance (4,264,712.07) appears to be:
✓ Simple deduction tracking (Initial - Payments made)
  This is just tracking deductions without interest calculation

=== Recommendation ===
For accurate payoff calculation:
1. Use the amortization method to find true outstanding principal
2. Add pro-rated interest for days since last payment
3. Outstanding Principal: 3,774,886.19
4. With 7 days interest: 3,783,573.59

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