o Loans made and intended to be sold by the originating lender or creditor to FNMA, GNMA, or FHLMC (or its successor); 7 or o Loans that are the subject of a home equity conversion mortgage or reverse mortgage issued by a lender or creditor subject to the regulation. 4
1 Draw the max line -- the one with as large a slope as you think reasonable (taking into account error bars), while still doing a fair job of representing all the data. Measure the slope of this line.  Calculate the uncertainty in the slope as one-half of the difference between max and min slopes.
You can calculate how many Periods if you know a Future Value, a Present Value and the Interest Rate. Example: you want to know how many periods it will take to turn $1,000 into $2,000 at 10% interest. This is the formula (note: it uses the natural logarithm function ln): n = ln (FV / PV) / ln (1 + r).