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Clearly labeled keys, simple to use, built-in programs. Quick and easy to solve any real estate problem: payments, loan amounts, terms, future values and interest. Automatic change-to-monthly for interest rate and term. Amortization remaining balance, balloon payment, total interest paid to date, etc. on any range of payments. No "change-to-monthly" needed. You can even set the payment period (monthly-bi-weekly, quarterly etc.) Batteries/carrying case included.