Greetings..... You now have one of the most powerfull MS WIndows Loan and Mortgage Prepayment Applications available! Please note that this release DOES NOT contain the VB Runtime module: VBRUN300.DLL, which is required to run this application. The BBS that you downloaded this program most likely has it available for downloading. We provide two releases of each version, one with the runtime and one without (for those users whom either already have the runtime and do not wish to incur additional download charges or for those whom have already downloaded it for use within another application). This is a SHAREWARE Evaluation version, which will provide you with all of the capabilities and functions of the registered version...AND provides a little extra: periodic notices that this is the SHAREWARE version. At the time you register (and we certainly hope that your so inclined..), we will take care of the pesty little notifiers as well as provide your name on the reports. We are constantly trying to improve this application and provide tools which will be most usefull in Loan and Mortgage Prepayment Analysis. Should you have ideas to better this program, please drop us a note, we enjoy hearing from our customers. Sincerly, Soft Solutions Suite 310 125 Warfieldsburg Westminster, MD 21157