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we will go into it later but itamp;#39;s very important that the top of your models have a section like this a header section where some of your key items are reflected things that youamp;#39;re going to use in formulas often the main reason is just to make your formulas a lot simpler to use so for example in this example weamp;#39;ve got an interest charge weamp;#39;re going to say itamp;#39;s 100 Rand but itamp;#39;s only from the month that weamp;#39;re operational so youamp;#39;ll see up here weamp;#39;ve got a little header which says we are operational over there and if you look at the formula itamp;#39;s as simple as saying that times that if you didnamp;#39;t have all of this you could have a slightly more complex formula so for example thereamp;#39;s month of operation weamp;#39;ve typed a three in so if we do have at least some headers up here youamp;#39;ll see weamp;#39;ve got a IF function but itamp;#39;s slightly more complex and saying are you bigger than