1 The hypothalamus, pituitary gland, and the gonads (ovaries, testicles) operate in a feedback loop, producing and maintaining the levels of sex hormones (androgens and estrogens) that are mainly responsible for the primary and secondary changes of puberty.
Calculation: Here is the formula for FIP: FIP = ((13*HR)+(3*(BB+HBP))-(2*K))/IP + constant. The constant is solely to bring FIP onto an ERA scale and is generally around 3.10. You can find historical FIP constant values here, or you can derive the constant yourself.
4. Reduce the annual MIP amount by dividing by one plus the up-front MIP factor, if the up-front MIP was added to the loan amount. The up-front MIP is 1 percent, so the annual MIP result from above is divided by 1 plus 0.1, or 1.01.ip. 1  A quick estimate of the annual MIP can be calculated by multiplying the loan amount less the up-front MIP times the annual MIP rate of 0.90 percent. 2  The annual MIP is recalculated each year using the end-of-year loan balance plus the balance after the next 11 payments.