How this study was checked
Colin McCracken completed the publisher and source review on September 13, 2026. That decision covers the retained findings, assumptions, source uses and tool explanations. Codex assisted with collection, calculations, writing and checks. No independent human expert review is claimed.
Calculation checks
A separate Decimal implementation checked all 1,260 study rows. The tools were also checked against cases outside the study grid and multiple-card examples. These checks concern the stated model; actual lender rounding and payment schedules can differ.
Sources and reuse
The retained source and design-asset uses were accepted in the publisher review. No blanket redistribution license for third-party material is granted. The three CFPB mechanism sources were rechecked September 26, 2026. They do not supply the hypothetical rates or establish borrower outcomes.