Thank you for your interest in the DataMagic Variable-Payment Amortization Schedule and Graphs. We are sure you will enjoy this demonstration of its capabilities. This program is designed for Microsoft Excel 5. To load the program: 1. Move the main file, "VARPMT5D.XLS", to the directory where you keep your EXCEL5 files. 2. Start EXCEL5 and "Open" the "VARPMT5D.XLS" file. 3. Once opened, press the "Start Demo" button to begin. After viewing the Demonstration you can view and print both the Charts and Spreadsheet. The charts are great on a color printer ! The "Calculate Months" button will continue to function to allow you to calculate the number of months remaining on your loans. The full function registered version is only $20.00 and includes 3 Programs: *VARI-PAYMENT.. as demonstrated here. *LOANSAVE...... a detailed comparison of extra payments vs. investing. (with 3 charts containing 6 graphs) *POINTS........ Points vs. Interest Rate, graphic analysis. (Plainly see your best choice!) After receiving payment, the complete set of programs will be sent via E-Mail in compressed form. Press "Order Form" button on Demo for details. Thank You, and Enjoy! Richard Sittig AOL ID: RichSittig Compuserve: 71332,245