@TaxGuyBill Haha Same! And I only slept 4 hours last night!

Thank you! I was actually attempting to do what you are suggesting myself before reading your reply. It makes sense. The only thing I am having an issues with is, would the loan balances be $1,200,000 since the big loan was only outstanding for 7 months?! Aren't we supposed to take the average of that loan which would be less than 1.2M if we do so since it was only outstanding for 7 months, thus the percentage would be higher than 62%?!