Amortize is extremely easy to use and "User-friendly". You will find that very little is required to use the program except the knowledge of interest amount, loan amount and number of months in the loan. If you are using a monochrome monitor, then specify B&W on the command line to run amortize.. ie. A>AMORTIZE B&W otherwise, the display is presented in color. The printouts are equally at home on continuous forms or the Toshiba cut- sheet-feeder. Amortize works on all IBM systems and Compatibles. It is provided as a stand-alone product for ease of use without a compatible BASIC language product or Lotus 1-2-3. Just copy AMORTIZE.EXE to your fixed disk, or use this diskette. Simply type AMORTIZE from the DOS prompt. Amortize is distributed as a user-supported product. If you find yourself using it instead of Lotus to do simple amortization schedules, then you will hopefully feel some degree of obligation to provide the program authors with some renumeration. Let your conscience be your guide.