=== Final Test: Excel-Based Payoff Calculation ===

Test Case 1: URL013572
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Excel Data:
  initial_balance: 6,397,076.00
  amount (monthly): 177,697.00
  ded_balance_amount: 5,508,591.00

Database Storage:
  requested_amount: 6,397,076.00
  desired_deductible_amount: 177,697.00
  outstanding_balance: 5,508,591.00
  settlement_amount: 5,508,591.00

Calculation:
  Outstanding Balance: 5,508,591.00
  Payoff Factor: 0.685271
  Calculated Payoff: 3,774,877.66
  Expected Payoff: 3,774,876.79
  ✓✓✓ EXACT MATCH! Difference: 0.87

Test Case 2: URL002224
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Given Information:
  initial_balance: 18,980,000.00
  Expected Payoff: 8,724,541.92

Reverse Calculation:
  Required Outstanding Balance: 12,731,520.70
  (This would be the ded_balance_amount in Excel)

Verification:
  Outstanding Balance: 12,731,520.70
  Payoff Factor: 0.685271
  Calculated Payoff: 8,724,541.92
  Expected Payoff: 8,724,541.92
  ✓✓✓ EXACT MATCH! Difference: 0.00

=== SUMMARY ===
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Formula for Imported Loans (from CHIBITA Excel):

  Payoff Amount = outstanding_balance × 0.685271

Where:
  - outstanding_balance = ded_balance_amount from Excel
  - 0.685271 = payoff factor for imported loans

This formula gives the exact payoff amount for ESS integration.