HomeMy WebLinkAbout20051101Response Qwest recalculation on remand.pdfCE\VED
BEFORE THE IDAHO PUBLIC UTILITIES COMMISSI(1)N D
IN THE MATTER OF THE JOINT
PETITION OF ROBERTY RYDER, d/b/a
RADIO PAGING SERVICE, JOSEPH B.
MCNEAL, d/b/a P AGEDA T A AND
INTERP AGE OF IDAHO, AND
TEL-CAR, INC., FOR A DECLARATORY
ORDER AND RECOVERY OF
OVERCHARGES FROM U.S. WEST
COMMUNICATIONS, INC.
and
Respondent/Respondent on Appeal.
ROBERT RYDER, d/b/a RADIO
PAGING SERVICE, et aI.
Petitioners/ Appellants
vs.
IDAHO PUBLIC UTILITIES COMMISSION
Respondent on Appeal
QWEST CORPORATION
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Case No. USW-99-
Supreme Court Docket No.
29175
RESPONSE TO RESPON-
DENT QWEST CORPOR-
ATION RECALCULATION
OF INTEREST
On September 6, 2005, the Idaho Supreme Court affirmed the Commission s final
orders in this matter, bringing to a close roughly five years of litigation. The Supreme
Court affIrmed the Commission in every respect with the exception of the calculation of
interest due to the Pagers.
Consequently, the Pagers waited the appropriate amount of time for remittitur to
be issued by the Supreme Court before filing a Petition for Alteration of the
Commission s relevant fmal orders seeking a recalculation of interest, and an order that
RESPONSE TO RESPONDENT QWEST CORPORATION RECALCULATON OF
INTEREST
the final orders, in all other respects, be enforced. Respondent Qwest never formally
replied to that Petition. Qwest's legal counsel did, however, on October 24, 2005, submit
to Petitioners/ Appellants, and the Commission s legal counsel, an email with attachments
containing recalculations of interest at the rate approved by the Supreme Court.
The content of these attachments has never yet been formally filed with the
Commission. Consequently, Petitioners/Appellants are simultaneously filing with this
Response, an Affidavit of the undersigned with Qwest's attachments of its interest
recalculations attached as an exhibit so that those recalculations are included in the record
before this Commission so that the Commission has an adequate record on which to rule
upon Petitioners/Appellants' Petition for Alteration.
Upon reviewing Qwest's recalculations of interest, Petitioners/Appellants have
discovered what appear to be computational errors. Petitioners/ Appellants assume, for
the time being, that these errors were unintentional. The errors are described in attached
Exhibit A.
Attached to this Response as Exhibit B is Petitioners/Appellants' correction of
Respondent Qwest's computational errors, in the form of an Excel spreadsheet. Included
in this exhibit are both a hard copy and CD. The corrections should be quite easy for any
member of the Commission Staff, who is familiar with the use of Excel, to verify.
Petitioners/ Appellants respectfully submit that this matter is fully submitted and
that there is no reason for this Commission to not rule upon the Petition immediately,
subject to Respondent Qwest's right to review the correction of computational errors and
respond within no more than seven (7) business days. In the event Qwest disputes the
corrections, it should be required to explain its reasoning in detail and the Commission
RESPONSE TO RESPONDENT QWEST CORPORATION RECALCULATON OF
INTEREST
could then select the most expeditious manner in which to resolve any remaining
disputes. Otherwise, Petitioners/ Appellants again urge the Commission to order Qwest to
pay the recalculated refund forthwith.
RESPECTFULL Y SUBMITTED, this 1 st day of November, 2005.
RESPONSE TO RESPONDENT QWEST CORPORATION RECALCULATON OF
INTEREST
CERTIFICATE OF SERVICE
I HEREBY CERTIFY that on the 1st day of November, 2005, I caused to be
served the foregoing PETITIONERS/APPELLANTS RESPONSE TO QWEST'
RECALCULATION OF INTEREST on the following, by hand-delivery, in Case No.
USW-99-24.
William J. Batt
Batt & Fisher
O. Box 1308
Boise, ID 83701
Don Howell
Deputy Attorney General
Idaho Public Utilities Commission
472 W. Washington St.
Boise, ID 83702
/&
ON Brad M. Purdy
RESPONSE TO RESPONDENT QWEST CORPORATION RECALCULATON OF
INTEREST
Background: Qwest has calculated 12% interest through September 2005 as follows:
PageData - (Refund Period January 1997 through September 1999)
The number of months from January 1997 through September 2005 is 104
months.
Radio Paging - (Refund Period November 1996 through May 1999)
The number of months from November 1996 through September 2005 is
107 months.
1) The Calculations for PageData did not include the proper number of months
The interest calculations provided by Qwest for PageData did not include the proper
number of months for the Transit sheet due to a typographical error in the formulas used
in each of the interest calculations on the Transit sheet for PageData. The calculations
shorted PageData by 14 months for the Transit sheet. The calculation should have been
104 months (for interest through September 2005), but 90 months was entered in the
formula.
According to the spreadsheets provided by Qwest, the formula to calculate interest
through September 2005 for PageData is ($MO Credit Due X 1.0%) X (104-n), but due
to a typographical error the underlying formula in the individual cells to calculate the
actual interest used by Qwest was ($MO Credit Due X 1.0%) X (90-n). This results in a
shortfall of$3 712 in interest. We have prepared and attached a worksheet with the
correct formula (104 months) for the Transit interest through September 2005. Using 104
months instead of90 months gives a total due of $23 750 for transit interest with a grand
total of$143 827 overall to PageData through September 2005.
2) Qwest should be required to pay interest through the date of actual payment.
Qwest's calculations included interest through September 2005.
The Idaho PUC should require Qwest to calculate and pay the 12% interest through the
date of actual payment. Qwest's calculations included interest through September 2005.
Since tomorrow will be November, we believe the calculations should add another 2
months of interest for both PageData and Radio Paging. We have submitted separate
workbook calculations for interest through October, 2005 and November, 2005 for both
PageData and Radio Paging.
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Si
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76
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33
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Si
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m
o
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h
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76
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76
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33
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33
m
o
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t
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4
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a
s
No
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33
m
o
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t
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85
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6
79
9
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m
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t
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r
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58
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1
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1
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T
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,
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No
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e
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s
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m
m
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v
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l
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v
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p
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l
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r
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r
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v
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b
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r
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v
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p
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l
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r
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p
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l
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v
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P
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e
:
C
o
r
r
e
c
t
e
d
I
n
t
e
r
e
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t
F
o
r
m
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l
a
T
o
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s
e
1
0
4
M
o
n
t
h
s
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n
s
t
e
a
d
o
f
P
r
e
v
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o
u
s
9
0
M
o
n
t
h
s
)
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
Se
e
N
o
t
e
Se
e
N
o
t
e
85
4
85
4
85
4
85
4
85
4
85
4
85
4
00
8
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
88
8
88
0
87
1
86
3
85
4
84
6
83
7
06
9
Se
p
-
Oc
t
-
No
v
-
De
c
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
3,
4
1
7
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
82
9
82
0
81
2
80
3
26
3
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Oc
t
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
54
3
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
Ca
l
c
u
l
a
t
i
o
n
a
t
mo
n
t
h
;
t
o
t
a
l
1
04
m
o
n
t
h
s
)
79
4
78
6
77
7
76
9
76
0
75
2
74
3
73
5
72
6
71
8
56
0
12
%
10
4
m
a
s
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Su
b
T
o
t
a
l
Gr
a
n
d
T
o
t
a
l
s
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
25
6
79
9
76
7
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
70
9
70
0
69
2
68
3
67
5
66
6
65
8
64
9
64
1
63
2
15
1
85
7
75
0
TO
T
A
L
50
,
51
7
No
t
e
:
A
s
s
u
m
m
a
r
i
z
e
d
in
L
e
t
t
e
r
t
o
S
h
a
r
o
n
M
c
N
e
a
l
f
r
o
m
S
h
e
r
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F
r
a
s
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r
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S
e
p
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b
e
r
1
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1
9
9
8
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a
n
d
a
s
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t
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m
i
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E
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h
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3
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, 1
9
9
7
.
To
t
a
l
M
o
n
t
h
s
10
0
10
4
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
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r
-
Fe
b
-
De
c
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
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r
-
Fe
b
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Oc
t
-
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g
-
Ju
n
-
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r
-
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b
-
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n
-
Ap
r
-
No
v
-
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p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
12
%
Ba
s
i
c
F
o
r
m
u
l
a
:
(
(
S
M
o
C
r
e
d
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t
Du
e
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1
.
0%
)
X
(
1
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4
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Pr
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p
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a
r
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t
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w
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t
01
4
0
5
C
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p
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P
a
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t
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l
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I
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Ar
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In
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r
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Do
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k
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2
9
1
7
5
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
12
%
t
h
r
o
u
g
h
Se
p
t
e
m
b
e
r
2
0
0
5
(
1
0
4
m
o
n
t
h
s
)
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
4
33
9
A
v
e
r
a
g
e
d
o
v
e
r
31
.
33
m
o
n
t
h
s
Se
e
N
o
t
e
Se
e
N
o
t
e
13
8
13
8
13
8
13
8
13
8
13
8
13
8
97
4
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
14
4
14
3
14
1
14
0
13
8
13
7
13
6
98
4
Se
p
-
Oc
t
-
No
v
-
De
c
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
4
33
9
A
v
e
r
a
g
e
d
o
v
e
r
31
.
33
m
o
n
t
h
s
13
8
13
8
13
8
13
8
55
4
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
13
4
13
3
13
2
13
0
52
9
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Oc
t
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
4
33
9
A
v
e
r
a
g
e
d
o
v
e
r
31
.
33
m
o
n
t
h
s
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
38
5
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
Ca
l
c
u
l
a
t
i
o
n
a
t
mo
n
t
h
;
t
o
t
a
l
1
04
m
o
n
t
h
s
)
12
9
12
7
12
6
12
5
12
3
12
2
12
0
11
9
11
8
11
6
22
6
12
%
10
4
m
a
s
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Su
b
T
o
t
a
l
Gr
a
n
d
T
o
t
a
l
s
Cr
e
d
i
t
D
u
e
$
4
33
9
A
v
e
r
a
g
e
d
o
v
e
r
31
.
33
m
o
n
t
h
s
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
13
8
1
,
4
2
6
33
9
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
4
m
o
n
t
h
s
)
11
5
11
4
11
2
11
1
10
9
10
8
10
7
10
5
10
4
10
2
11
8
85
6
TO
T
A
L
19
6
No
t
e
:
A
s
s
u
m
m
a
r
i
z
e
d
in
L
e
t
t
e
r
t
o
S
h
a
r
o
n
M
c
N
e
a
l
f
r
o
m
S
h
e
r
y
l
F
r
a
s
e
r
,
S
e
p
t
e
m
b
e
r
1
0
,
1
9
9
8
,
a
n
d
a
s
i
t
e
m
i
z
e
d
i
n
c
o
n
v
e
r
s
i
o
n
d
e
t
a
i
l
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n
E
x
h
i
b
i
t
2
0
3
re
t
a
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l
D
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D
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r
v
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c
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s
f
o
r
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t
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P
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w
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c
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d
t
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c
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n
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c
t
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t
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s
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r
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a
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t
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v
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t
o
J
a
n
u
a
r
y
3
0
,
1
9
9
7
.
To
t
a
l
M
o
n
t
h
s
10
0
10
4
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
12
%
Ba
s
i
c
F
o
r
m
u
l
a
:
(
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33
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11
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S
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m
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h
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v
e
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e
r
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(
1
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t
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s
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c
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n
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Fe
b
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r
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e
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3
1
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33
m
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e
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t
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e
43
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4
3
8
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4
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8
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8
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11
6
Sim
p
l
e
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t
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2
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%
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e
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mo
n
t
h
;
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t
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l
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6
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52
5
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42
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Se
p
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No
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t
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v
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r
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1
.
33
m
o
n
t
h
s
43
8
43
8
43
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43
8
75
3
Si
m
p
l
e
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n
t
e
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e
s
t
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t
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2
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1
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e
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mo
n
t
h
;
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o
t
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l
1
06
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o
n
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h
s
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42
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0
39
5
38
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60
9
Ja
n
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Fe
b
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Ma
r
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r
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y
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n
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l
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g
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p
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t
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b
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t
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l
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e
d
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t
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u
e
$
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2
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v
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e
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3
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.
33
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o
n
t
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s
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4
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8
43
8
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4
3
8
43
8
1,4
3
8
1,
4
3
8
43
8
43
8
43
8
43
8
$
1
4
38
3
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
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1
%
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e
r
Ca
l
c
u
l
a
t
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o
n
mo
n
t
h
;
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t
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l
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0
6
m
o
n
t
h
s
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36
6
35
2
33
8
32
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30
9
29
4
28
0
26
6
25
1
23
7
$
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3
01
7
at
1
2
%
1
0
6
mo
s
No
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c
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Ja
n
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Fe
b
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r
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r
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y
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l
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g
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b
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l
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t
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u
e
$
4
5
06
2
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v
e
r
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e
r
3
1
.
33
m
o
n
t
h
s
43
8
43
8
43
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43
8
43
8
43
8
43
8
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4
3
8
43
8
43
8
43
1
$
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4
81
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06
7
Sim
p
l
e
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n
t
e
r
e
s
t
a
t
1
2
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(
1
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e
r
mo
n
t
h
;
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o
t
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l
1
06
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o
n
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h
s
)
22
3
20
8
19
4
17
9
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13
6
12
2
10
7
09
3
32
4
90
2
94
9
TO
T
A
L
86
,
01
6
No
t
e
:
As
s
u
m
m
a
r
i
z
e
d
i
n
L
e
t
t
e
r
t
o
S
h
a
r
o
n
M
c
N
e
a
l
f
r
o
m
S
h
e
r
y
l
F
r
a
s
e
r
,
S
e
p
t
e
m
b
e
r
1
0
,
1
9
9
8
,
a
n
d
a
s
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t
e
m
i
z
e
d
i
n
c
o
n
v
e
r
s
i
o
n
d
e
t
a
i
l
s
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n
E
x
h
i
b
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t
2
0
3
re
t
a
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l
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s
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r
v
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c
e
s
f
o
r
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n
t
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r
P
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g
e
w
e
r
e
c
o
n
v
e
r
t
e
d
t
o
i
n
t
e
r
c
o
n
n
e
c
t
i
o
n
s
t
a
t
u
s
r
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t
r
o
a
c
t
i
v
e
t
o
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a
n
u
a
r
y
3
0
,
1
9
9
7
.
To
t
a
l
M
o
n
t
h
s
10
0
10
6
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
Fe
b
-
De
c
-
Oc
t
-
Au
g
-
Ju
n
-
Ap
r
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
Ma
r
-
Ja
n
-
No
v
-
Se
p
-
Ju
l
-
Ma
y
-
12
%
Ba
s
i
c
F
o
r
m
u
l
a
:
(
(
S
M
o
C
r
e
d
i
t
Du
e
X
1
.
0%
\
X
(
1
0
6
-
n
)
)
Pr
o
p
r
i
e
t
a
r
y
t
o
Q
w
e
s
t
10
1
4
0
5
C
o
p
y
o
f
P
a
g
e
D
a
t
a
l
D
I
n
t
e
r
e
s
t
-
c
h
a
n
g
e
d
1
0
6
m
o
n
t
h
s
.
xl
s
/
4
5
M
i
l
e
R
u
l
e
L
o
c
a
l
F
a
c
i
l
i
t
i
e
s
PA
G
E
D
A
T
A
In
t
e
r
e
s
t
C
a
l
c
u
l
a
t
i
o
n
s
-
T
r
a
n
s
i
t
10
S
u
p
r
e
m
e
C
o
u
r
t
Do
c
k
e
t
N
o
.
2
9
1
7
5
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
12
%
T
h
r
o
u
g
h
N
o
v
e
m
b
e
r
2
0
0
5
(
1
0
6
m
o
n
t
h
s
)
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
Se
e
N
o
t
e
Se
e
N
o
t
e
85
4
85
4
85
4
85
4
85
4
85
4
85
4
00
8
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
06
m
o
n
t
h
s
)
90
6
89
7
88
8
88
0
87
1
86
3
85
4
18
9
Se
p
-
Oc
t
-
No
v
-
De
c
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
3,
4
1
7
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
6
m
o
n
t
h
s
)
84
6
83
7
82
9
82
0
33
2
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Oc
t
-
Su
b
T
o
t
a
l
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
54
3
Si
m
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
Ca
l
c
u
l
a
t
i
o
n
a
t
mo
n
t
h
;
t
o
t
a
l
1
06
m
o
n
t
h
s
)
81
2
80
3
79
4
78
6
77
7
76
9
76
0
75
2
74
3
73
5
73
1
12
%
10
6
No
v
-
De
c
-
Ja
n
-
Fe
b
-
Ma
r
-
Ap
r
-
Ma
y
-
Ju
n
-
Ju
l
-
Au
g
-
Se
p
-
Su
b
T
o
t
a
l
Gr
a
n
d
T
o
t
a
l
s
Cr
e
d
i
t
D
u
e
$
2
6
76
4
A
v
e
r
a
g
e
d
ov
e
r
3
1
.
33
m
o
n
t
h
s
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
85
4
25
6
79
9
76
7
Sim
p
l
e
I
n
t
e
r
e
s
t
a
t
1
2
%
(
1
%
p
e
r
mo
n
t
h
;
t
o
t
a
l
1
0
6
m
o
n
t
h
s
)
72
6
71
8
70
9
70
0
69
2
68
3
67
5
66
6
65
8
64
9
19
2
06
9
32
1
TO
T
A
L
51
,
08
8
No
t
e
:
A
s
s
u
m
m
a
r
i
z
e
d
in
L
e
t
t
e
r
t
o
S
h
a
r
o
n
M
c
N
e
a
l
f
r
o
m
S
h
e
r
y
l
F
r
a
s
e
r
,
S
e
p
t
e
m
b
e
r
1
0
,
1
9
9
8
,
a
n
d
a
s
i
t
e
m
i
z
e
d
i
n
c
o
n
v
e
r
s
i
o
n
d
e
t
a
i
l
s
i
n
E
x
h
i
b
i
t
2
0
3
re
t
a
i
l
D
I
D
s
e
r
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