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function amortization_array($principal, $interest_rate, $start_year, $start_month, $term, $group_by = 'M, Y', $month_names){
$periods = $term * 12;
$balance = $principal;
...
PHP Mortgage Calculator
by jcapote,
September 24, 2008 23:27,
4 refactorings
How would you refactor this...