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A printable 17-page PDF workbook for building a loan amortization schedule in Excel and then proving it: 6 input cells, 8 formula columns with the exact formulas to type, a row-1 hand check you do on paper first, a 10-point audit, and a gap-shape table that routes any difference between your sheet and the servicer's statement to its mechanical cause. This is the workbook, not the spreadsheet file: you build the sheet in your own Excel, and this organizes, wires and audits it.