Errata... (Sigh, this has been a bad morning for my posting.)

On Nov 16, 8:33 am, I wrote:
The most pessimistic estimate of monthly finance charges
in my case might be L4*(L6/365)^(365/12).

(Actually, the __most__ pessimistic estimate is L4*(L6/365)^31.)

Those formulas should be:

L4 * (1 + L6/365)^(365/12) - L4

L4 * (1 + L6/365)^31 - L4