                 ┌─────────────────────┐
                 │ GENERAL INFORMATION │
                 └─────────────────────┘

*********************************************************
This program is an UNLICENSED evaluation version.  Users
are granted a limited license to evaluate this software
and are encouraged to register for the most current
version by paying the required license fee.  Use in a
governmental or commercial environment without
registration is strictly prohibited.
*********************************************************

The LENDER'S TOOLBOX provides you with the most often used
`tools' in one package.  A mouse is supported, but not
required.  To use a mouse your mouse driver MUST be loaded
prior to starting the program.  Features include:

∙ AMORTIZATION SCHEDULE - A program that not only computes
the schedule for the `normal' monthly-pay loans, but also
for quarterly, semi-annual, or annual payment schedules.
In addition, you can specify fixed principal payments or
`balloon' the loan at the end of the specified term.

∙ LOAN CALCULATOR - A program that allows `what if'
calculations, computing the payment amount, term, annual
interest rate, or original loan amount when you provide
any three of the four variables - the `missing' variable
is calculated from your input.  Periodic payments can be
input or calculated on a monthly, quarterly, semi-annual,
or annual basis.

If you experience difficulty reading the screen (as with
an LCD display on a laptop or notebook computer) restart
the program using the `LCD' command line switch:
                LENDER LCD [Enter]
This should make your screen easier to read.  (You may
have to adjust your Contrast or Brightness controls for
optimum display.)

                     ┌──────────────┐
                     │ INSTRUCTIONS │
                     └──────────────┘

The LENDER'S TOOLBOX features a Windows-like environment
with multiple windows (forms) that can be moved, minimized
and restored, while allowing `random' cursor movement.
`Windows' users will immediately recognize the controls
available to them.

After the opening title screen you will be presented with
the Main Menu bar.  You can make a selection by clicking
with the mouse or pressing the ALT key and the higlighted
access key for that option.  (Note that all commands or
cursor movements can be activated by either a mouse click
OR the ALT-[access key] from the keyboard throughout the
program.)

CONTROL BOX (■):  Located at the top left corner of the
ACTIVE window. A mouse click or pressing ALT-[-] (minus)
will open this menu.  Speed keys (Ctrl- [F keys]) are
shown next to the menu choices and can be used without
opening the control menu.  Inactive menu selections will
appear `grayed' out.  Double-clicking on this box will
close the active window (or press Ctrl-F4).

MINIMIZE BUTTON (): Located at the top right corner of
the ACTIVE window (when available) allows you to reduce
the window to an `icon.'  You can also minimize the active
window by opening the Control menu (see above) or by
pressing Ctrl-F9.  (Restore the window by double-clicking
on the icon, pressing ALT-[-] for the control menu, or by
pressing Ctrl-F5.)

COMMAND BUTTONS:  Located at the bottom of open windows.
Clicking on one of these buttons (or pressing the ALT-
[access key]) will execute the command indicated.  (For
example, the Quit button will close and exit the ACTIVE
window.)  Command buttons that are either highlighted or
enclosed in a double-line box are the current DEFAULT for
execution at any time the ENTER key is pressed (such as
the `Quit' button on the bottom of this screen).  Since
the ENTER key will always activate the currently selected
command button you should use the TAB key to navigate the
command buttons using the keyboard.  NOTE: Pressing the
ESC key will automatically activate the `Quit' or
`Cancel'command buttons on any active screen.

CURSOR MOVEMENT:  Pressing ENTER or TAB at an input box
will accept the data shown and move the cursor to the next
input box or the command buttons.  BE CAREFUL - if a
command button is highlighted (or shown with a double line
`box') pressing ENTER will execute that command!  You can
also `jump' to any input box OR command button with a
mouse click or by pressing the ALT-[access key] for that
box.  If you `jump' to a command button by either mouse or
access key that command is automatically executed.  (Use
the TAB key to navigate the command buttons from the
keyboard.)

CTRL-DEL:  Pressing Ctrl-DEL inside an input "box" will
erase all characters from the cursor position to the end
of the field (including the character UNDER the cursor).

You may have more than one window OPEN at once, but only
one is ACTIVE at any given time.  (The Main Menu is always
active.)  To switch between multiple windows simply click
anywhere on the window you want to make active, select
`Next Window' (when available) from the Control Box menu,
or press Ctrl-F6 to `tab' between open windows.

CLOSEing an active window (by using the Quit command
button, the Control Box, or pressing Ctrl-F4 or the ESC
key) does NOT erase any values you have entered in that
window. They will still be available when you re-open that
window, until you exit the program completely.

EXIT the program by selecting Exit from the Main Menu bar
(or press ALT-X).  This will close all active windows and
return you to the DOS operating system.
