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Testing URL013572 with Actual ESS Data
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=== Input Data from ESS ===
Loan Number: URL013572
Initial Balance: 6,397,076.07
Monthly Payment: 177,697.00
Current Balance: 4,264,712.07
Tenure: 36 months
Annual Rate: 12%

=== Payment Analysis ===
Total Reduction: 2,132,364.00
Estimated Payments Made: 12

=== Principal Calculation ===
Calculated Original Principal (PV): 5,350,013.32

=== Amortization Schedule ===
Payment | Interest | Principal | Balance
--------------------------------------------
      1 | 53500.13 | 124196.87 |   5225816.46
      2 | 52258.16 | 125438.84 |   5100377.62
      3 | 51003.78 | 126693.22 |   4973684.40
    ... | ...      | ...       | ...
     11 | 40506.39 | 137190.61 |   3913448.70
     12 | 39134.49 | 138562.51 |   3774886.19

Outstanding Principal after 12 payments: 3,774,886.19

=== Payoff Calculation (Improved Formula) ===
Formula: Total Payoff = P + (P × R/365 × D)

Days since payment: 1
  Pro-rated Interest: 1,241.06
  Total Payoff: 3,776,127.24

Days since payment: 7
  Pro-rated Interest: 8,687.41
  Total Payoff: 3,783,573.59

Days since payment: 14
  Pro-rated Interest: 17,374.82
  Total Payoff: 3,792,261.00

Days since payment: 30
  Pro-rated Interest: 37,231.75
  Total Payoff: 3,812,117.94

=== Comparison with Old Method ===
Old Method (Factor-based):
  Deduction Balance: 4,264,712.07
  Factor: 0.6852708415
  Calculated Payoff: 2,922,482.83

New Method (Formula-based with 7 days):
  Outstanding Principal: 3,774,886.19
  Pro-rated Interest: 8,687.41
  Total Payoff: 3,783,573.59

Difference: 861,090.77 (29.46%)

=== ESS Balance Verification ===
ESS Current Balance: 4,264,712.07
Our Outstanding Principal: 3,774,886.19
Difference: 489,825.88

=== Final Payoff Recommendation ===
For loan URL013572 with standard 7-day processing:
✓ Outstanding Principal: 3,774,886.19
✓ Pro-rated Interest (7 days): 8,687.41
✓ TOTAL PAYOFF AMOUNT: 3,783,573.59

This amount should be sent in Message 12 (LOAN_TOP_UP_BALANCE_RESPONSE)

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Test Complete
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