help to debt reduction calculator

Debt Reduction Calculator© 2007 Vertex42 LLC

Balance Date: 1/1/2013

Creditor Information TableRow Creditor Balance Rate Payment Custom

1 Card #1 4,400.00 13.00% 50.00 22 Auto Loan #1 3,200.00 9.81% 30.00 13 Auto Loan #2 5,000.00 12.00% 55.00 34 Card #2 9,000.00 13.50% 110.00 55 Student Loan #1 4,900.00 4.00% 25.00 46789

10Total: 26,500.00 Total: 270.00

Monthly Payment 500.00 .

Initial Snowball 230.00

Strategy: 1

Creditors in Original Total Interest Months to Month PaidChosen Order Balance Paid Pay Off Off

Auto Loan #1 3,200.00 186.45 14 Mar-14Card #1 4,400.00 1,016.44 29 Jun-15Student Loan #1 4,900.00 570.81 43 Aug-16Auto Loan #2 5,000.00 2,417.89 56 Sep-17Card #2 9,000.00 6,392.36 75 Apr-19

- - - - - - - - - - - - - - -

Total Interest Paid: 10,583.95 (Lower is Better)Results are only estimates

[42]

http://www.vertex42.com/Calculators/debt-reduction-calculator.html

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$450.00 Snowball Growth Chart

Snowball

Interest Due


B4

Date: Record the date that you entered your creditor information. This is for your own information, and the first payment in the Payment Schedule will be the 1st of the following month. The Payment Schedule assumes that all payments are made on the first day of the month. This is probably not really the case, because many creditors bill at different times of the month.

B7

Creditor: Enter an abbreviated name for the creditor.

C7

Current Balance This is the amount you currently need to pay off.

D7

Annual Interest Rate: Unless you know otherwise, enter the APR (Annual Percentage Rate). Most credit card rates will fluxuate over time, and can be affected by late payments and other factors, but this calculator just assumes a fixed rate.

E7

Payment: This is either your current minimum payment, or the amount you want to pay each month. You should verify your balance and minimum payment with your lending institution. It is possible that your rate and your minimum payment will change over time. This calculator assumes that the rate does not change. Red Error Indication: If the cell shows a RED background, then that means that the Payment is less than the interest-only payment, and you need to increase the Payment. If the payment is less than the minimum required payment, you could end up paying extra fees and your interest rate might increase as a penalty. If the payment is not enough to cover the interest, then the interest is added to the balance (negative amortization) in the payment schedule. This may or may not be how your actual loan works.

F7

Custom Criteria: You can enter formulas or values in this column to control the order in which the debts are paid (e.g. the Term, or the numeric order you wish to pay the debts, etc.) In the STRATEGY dropdown box, you would then choose "Custom - Highest First", or "Custom - Lowest First".

B20

Monthly Payment: Enter the amount that you can set aside each month to pay off your debt. The amount should be greater than the sum of the individual payments. This calculator assumes fixed payments (except for the snowball), fixed rates, no late fees, no additional charges, and no other fees. Part of the monthly payment will go towards paying the interest due, and the other part will go towards reducing the balance(s). Check Your Budget - To pay off your debts as soon as possible, choose the largest monthly payment that fits within your budget.

B21

Initial Snowball, Extra Payment, or Accelerator Margin: This is the amount of money you have left over after making all the other necessary payments. It is calculated as the Monthly Payment minus the total monthly payments from the creditor table.

© 2007 Vertex42 LLC

Interest-only

47.67

26.16

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101.25

16.34

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$450.00 Snowball Growth Chart

Snowball

Interest Due

G2

Limited Use Policy You may make archival copies and customize this template (the "Software") for personal use only. This Software or any document including or derived from this Software may NOT be sold, distributed, or placed on a public server such as the internet without the express written permission of Vertex42 LLC. You may not remove or alter any logo, trademark, copyright, hyperlinks, disclaimers, terms of use, or other proprietary notices within the Software. We define "Personal use" as Non-Commercial use by you, your family, or by your close personal friends, on your own personal computer. We define "Commercial use" as any use in which a corporation or business or commercial entity derives or attempts to derive monetary gain and benefit, either directly or indirectly, from the use of the Software. This includes Government and Military entities, corporations, LLCs, sole-proprietorships, home-based businesses, and internet-based businesses. Caution: This calculator is for educational and illustrative purposes only and should not be construed as financial advice. The results may not be exact, and may not apply to your specific situation. Please consult a qualified professional regarding financial decisions. No Warranties THE SOFTWARE AND ANY RELATED DOCUMENTATION ARE PROVIDED TO YOU "AS IS." VERTEX42, LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, ORAL OR WRITTEN, TERMS, CONDITIONS, AND WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WITHOUT LIMITING THE ABOVE YOU ACCEPT THAT THE SOFTWARE MAY NOT MEET YOUR REQUIREMENTS, OPERATE ERROR FREE, OR IDENTIFY ANY OR ALL ERRORS OR PROBLEMS, OR DO SO ACCURATELY. This Agreement does not affect any statutory rights you may have as a consumer. Limitation of Liability IN NO EVENT SHALL VERTEX42, LLC BE LIABLE TO YOU, FOR ANY DAMAGES, INCLUDING ANY LOST PROFITS, LOST SAVINGS, OR ANY OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR THE INABILITY TO USE THE SOFTWARE (EVEN IF WE OR AN AUTHORIZED DEALER OR DISTRIBUTOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), OR ANY MISTAKES AND NEGLIGENCE IN DEVELOPING THIS SOFTWARE, OR FOR ANY CLAIM BY ANY OTHER PARTY. THE ORGANIZATION, BUSINESS, OR PERSON USING THIS SOFTWARE BEARS ALL RISKS AND RESPONSIBILITY FOR THE QUALITY AND PERFORMANCE OF THIS SOFTWARE. Somes states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you.

G7

Current Interest-Only Payment: For your info, this column calculates the interest-only payment, based on the current balance and interest rate. Anything less than this amount will result in negative amortization in the payment schedule (interest added to the balance).

Vertex42.com Debt Snowball Payment Schedule © 2007 Vertex42 LLC

Strategy: Snowball (Lowest Balance First)Monthly Payment: 500.00

Creditor: Auto Loan #1 Card #1 Student Loan #1 Auto Loan #2 Card #2Balance: 3,200.00 4,400.00 4,900.00 5,000.00 9,000.00 - - - - -

Rate: 9.81% 13.00% 4.00% 12.00% 13.50% - - - - -

Base Payment: 30.00 50.00 25.00 55.00 110.00 - - - - -

Months to Pay Off: 14 29 43 56 75 - - - - - Month Paid Off: Mar-14 Jun-15 Aug-16 Sep-17 Apr-19

Total Interest: 186.45 1,016.44 570.81 2,417.89 6,392.36 - - - - -

Error Code: . . . . . . . . . .

Total Interest: $ 10,583.95

Monthly Payments

No. Month Snowball Additional Auto Loan #1 Card #1 Student Loan #1 Auto Loan #2 Card #2

Jan-131 Feb-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 2 Mar-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 3 Apr-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 4 May-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 5 Jun-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 6 Jul-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 7 Aug-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 8 Sep-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 9 Oct-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 10 Nov-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 11 Dec-13 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 12 Jan-14 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 13 Feb-14 230.00 260.00 50.00 25.00 55.00 110.00 - - - - - 14 Mar-14 253.55 6.45 303.55 25.00 55.00 110.00 - - - - - 15 Apr-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 16 May-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 17 Jun-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 18 Jul-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 19 Aug-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 20 Sep-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 21 Oct-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 22 Nov-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 23 Dec-14 260.00 - 310.00 25.00 55.00 110.00 - - - - - 24 Jan-15 260.00 - 310.00 25.00 55.00 110.00 - - - - - 25 Feb-15 260.00 - 310.00 25.00 55.00 110.00 - - - - - 26 Mar-15 260.00 - 310.00 25.00 55.00 110.00 - - - - - 27 Apr-15 260.00 - 310.00 25.00 55.00 110.00 - - - - - 28 May-15 260.00 - 310.00 25.00 55.00 110.00 - - - - - 29 Jun-15 260.00 - 122.89 212.11 55.00 110.00 - - - - - 30 Jul-15 310.00 - - 335.00 55.00 110.00 - - - - - 31 Aug-15 310.00 - - 335.00 55.00 110.00 - - - - - 32 Sep-15 310.00 - - 335.00 55.00 110.00 - - - - - 33 Oct-15 310.00 - - 335.00 55.00 110.00 - - - - - 34 Nov-15 310.00 - - 335.00 55.00 110.00 - - - - - 35 Dec-15 310.00 - - 335.00 55.00 110.00 - - - - - 36 Jan-16 310.00 - - 335.00 55.00 110.00 - - - - - 37 Feb-16 310.00 - - 335.00 55.00 110.00 - - - - - 38 Mar-16 310.00 - - 335.00 55.00 110.00 - - - - - 39 Apr-16 310.00 - - 335.00 55.00 110.00 - - - - - 40 May-16 310.00 - - 335.00 55.00 110.00 - - - - - 41 Jun-16 310.00 - - 335.00 55.00 110.00 - - - - - 42 Jul-16 310.00 - - 335.00 55.00 110.00 - - - - - 43 Aug-16 310.00 - - 203.70 186.30 110.00 - - - - - 44 Sep-16 335.00 - - - 390.00 110.00 - - - - - 45 Oct-16 335.00 - - - 390.00 110.00 - - - - - 46 Nov-16 335.00 - - - 390.00 110.00 - - - - - 47 Dec-16 335.00 - - - 390.00 110.00 - - - - - 48 Jan-17 335.00 - - - 390.00 110.00 - - - - - 49 Feb-17 335.00 - - - 390.00 110.00 - - - - - 50 Mar-17 335.00 - - - 390.00 110.00 - - - - - 51 Apr-17 335.00 - - - 390.00 110.00 - - - - - 52 May-17 335.00 - - - 390.00 110.00 - - - - - 53 Jun-17 335.00 - - - 390.00 110.00 - - - - - 54 Jul-17 335.00 - - - 390.00 110.00 - - - - - 55 Aug-17 335.00 - - - 390.00 110.00 - - - - - 56 Sep-17 335.00 - - - 241.59 258.41 - - - - - 57 Oct-17 390.00 - - - - 500.00 - - - - - 58 Nov-17 390.00 - - - - 500.00 - - - - - 59 Dec-17 390.00 - - - - 500.00 - - - - - 60 Jan-18 390.00 - - - - 500.00 - - - - - 61 Feb-18 390.00 - - - - 500.00 - - - - - 62 Mar-18 390.00 - - - - 500.00 - - - - - 63 Apr-18 390.00 - - - - 500.00 - - - - - 64 May-18 390.00 - - - - 500.00 - - - - - 65 Jun-18 390.00 - - - - 500.00 - - - - - 66 Jul-18 390.00 - - - - 500.00 - - - - - 67 Aug-18 390.00 - - - - 500.00 - - - - - 68 Sep-18 390.00 - - - - 500.00 - - - - - 69 Oct-18 390.00 - - - - 500.00 - - - - - 70 Nov-18 390.00 - - - - 500.00 - - - - - 71 Dec-18 390.00 - - - - 500.00 - - - - - 72 Jan-19 390.00 - - - - 500.00 - - - - - 73 Feb-19 390.00 - - - - 500.00 - - - - - 74 Mar-19 390.00 - - - - 500.00 - - - - -

http://www.vertex42.com/Calculators/debt-reduction-calculator.htmlThere is nothing to edit on this worksheet, except where indicated (cells with yellow background). This worksheet is meant for printing. Go to File>Print Area and File>Page Setup to modify how you want this worksheet to be printed.

There is nothing to edit on this worksheet, except where indicated (cells with yellow background). This worksheet is meant for printing. Go to File>Print Area and File>Page Setup to modify how you want this worksheet to be printed.

Debt SnowflakesThese are the one-time extra payments that you make above and beyond the normal monthly payment. You can add these "snowflakes" in the Additional column here. The amount will be added to the Snowball for just that particular month.

Debt SnowflakesThese are the one-time extra payments that you make above and beyond the normal monthly payment. You can add these "snowflakes" in the Additional column here. The amount will be added to the Snowball for just that particular month.


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Limited Use Policy You may make archival copies and customize this template (the "Software") for personal use only. This Software or any document including or derived from this Software may NOT be sold, distributed, or placed on a public server such as the internet without the express written permission of Vertex42 LLC. You may not remove or alter any logo, trademark, copyright, hyperlinks, disclaimers, terms of use, or other proprietary notices within the Software. We define "Personal use" as Non-Commercial use by you, your family, or by your close personal friends, on your own personal computer. We define "Commercial use" as any use in which a corporation or business or commercial entity derives or attempts to derive monetary gain and benefit, either directly or indirectly, from the use of the Software. This includes Government and Military entities, corporations, LLCs, sole-proprietorships, home-based businesses, and internet-based businesses. Caution: This calculator is for educational and illustrative purposes only and should not be construed as financial advice. The results may not be exact, and may not apply to your specific situation. Please consult a qualified professional regarding financial decisions. No Warranties THE SOFTWARE AND ANY RELATED DOCUMENTATION ARE PROVIDED TO YOU "AS IS." VERTEX42, LLC MAKES NO WARRANTIES, EXPRESS OR IMPLIED, AND EXPRESSLY DISCLAIMS ALL REPRESENTATIONS, ORAL OR WRITTEN, TERMS, CONDITIONS, AND WARRANTIES, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. WITHOUT LIMITING THE ABOVE YOU ACCEPT THAT THE SOFTWARE MAY NOT MEET YOUR REQUIREMENTS, OPERATE ERROR FREE, OR IDENTIFY ANY OR ALL ERRORS OR PROBLEMS, OR DO SO ACCURATELY. This Agreement does not affect any statutory rights you may have as a consumer. Limitation of Liability IN NO EVENT SHALL VERTEX42, LLC BE LIABLE TO YOU, FOR ANY DAMAGES, INCLUDING ANY LOST PROFITS, LOST SAVINGS, OR ANY OTHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR THE INABILITY TO USE THE SOFTWARE (EVEN IF WE OR AN AUTHORIZED DEALER OR DISTRIBUTOR HAS BEEN ADVISED OF THE POSSIBILITY OF THESE DAMAGES), OR ANY MISTAKES AND NEGLIGENCE IN DEVELOPING THIS SOFTWARE, OR FOR ANY CLAIM BY ANY OTHER PARTY. THE ORGANIZATION, BUSINESS, OR PERSON USING THIS SOFTWARE BEARS ALL RISKS AND RESPONSIBILITY FOR THE QUALITY AND PERFORMANCE OF THIS SOFTWARE. Somes states do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation may not apply to you.

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Snowball: This column represents the extra payment above and beyond your normal monthly payments. When a loan is fully paid, that loan's monthly payment is added the snowball and used to pay off the next loan, and so on.

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Additional Snowball Amount: To pay more than just the Snowball amount for a specific month, include the amount in this column. It will be added to the normal Snowball amount for just that month.

Monthly Payments

No. Month Snowball Additional Auto Loan #1 Card #1 Student Loan #1 Auto Loan #2 Card #275 Apr-19 416.05 - - - - 83.95 - - - - -

#N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - -

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Monthly Payments

No. Month Snowball Additional Auto Loan #1 Card #1 Student Loan #1 Auto Loan #2 Card #2#N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - -

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Monthly Payments

No. Month Snowball Additional Auto Loan #1 Card #1 Student Loan #1 Auto Loan #2 Card #2#N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - - #N/A - - - - - - - - - -

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