Fifth International World Wide Web Conference
StringBuffer msg = new StringBuffer();
msg.append("\nprincipal=" + bal + " interest=" + intyr
+ " years=" + nyears + "\n");
double intmo = intyr / 12.;
int npmts = nyears * 12;
double pmt = bal * (intmo / (1.- Math.pow(1.+ intmo,-npmts)));
msg.append("payment\ttotal\tinterest\tprincipal\tbalance\n");
msg.append("number\tpayment\tpayment\tpayment\n");
msg.append("\t\t\t\t" + bal + "\n");