=== Testing Final Formula for Imported Loans ===

Initial Balance: 6,397,076.00
Monthly Payment: 177,697.00
Installments Paid: 5
Simple Balance: 5,508,591.00

Applying Net Balance Factor: 0.7745
Net Balance: 4,266,403.73

Applying Payoff Factor: 0.885142
Calculated Payoff: 3,776,373.13
Expected Payoff: 3,774,876.79
Difference: 1,496.34