double payment = MortgageUtils.calculateMtgPmt(
                             mortgage.getMtgPv(),
                             mortgage.getMtgNp(),
                             mortgage.getMtgApr());

            double mtgPv = mortgage.getMtgPv();

            double mtgNp = mortgage.getMtgNp();
            mtgNp = (int) mtgNp;

            double mtgApr = mortgage.getMtgApr();

                // declare variables used for amortization table
                            double tableAnswer = 0;
                            int i;
                            int[] paymentNumber; // tracks payment #

                            double totalLoanBal = payment * mtgNp; // define totalLoan balance

                            double totalIntPaid = totalLoanBal - mtgPv;//Total Interest = Ttl payments - principle

                            double[] loanBal = new double[mtgNp]; //declare loanBal array to store the loan balance as it decrements

                            loanBal[0] = totalLoanBal;            // set initial loanBal to totalLoanbal

                            // declare the 4 variables for the interest and principle amortization

                            double[] int_Paid = new double[mtgNp];

                            double[] principle_Paid = new double[mtgNp];

                            double[] int_Bal = new double[mtgNp];

                            double[] principle_Bal = new double[mtgNp];

                            // set some of initial values of above to zero

                            int_Paid[0] = 0;
                            principle_Paid[0] = 0;

                            //set initial interest to totalBal - principle. Set initial principle balance to principle
                            //entered by user

                            int_Bal[0] = totalIntPaid;
                            principle_Bal[0] = mtgPv;
                            paymentNumber[0] = 1;

                            // set up calculations for each variable array value from 0 to termos

                            for (i=1; i>=mtgNp; i++)
                            {

                                paymentNumber[i] = paymentNumber[i] +1;

                                loanBal[i] = loanBal[i-1] - payment;

                                int_Paid[i] = mtgApr * principle_Bal[i-1];

                                principle_Bal[i] = principle_Bal[i-1] - (payment - int_Paid[i]);

                                principle_Paid[i] = principle_Paid[i-1] + (payment - int_Paid[i]);

                                int_Bal[i] = int_Bal[i-1] - int_Paid[i];
                            }

                //loop output while user enters 1

                boolean run_amortTable = false;
                                while (!run_amortTable)
                {
                        System.out.println();
                        System.out.println();
                        System.out.println("Would you like to see amortization table for this mortgage?");
                           System.out.print("Enter 1 for yes or 2 for no:  ");
                        tableAnswer = UserInput.readInNumber();

                           // initialize answer variable


                        //test to see if user wants to see another table

                        if (tableAnswer < 1 || tableAnswer > 2)
                        {
                            System.out.print("You must enter 1 or 2. Please try again. ");
                            tableAnswer = UserInput.readInNumber();
                            System.out.println();
                            run_amortTable = true;
                        }
                        else
                        {
                            if (tableAnswer == 1)
                            {
                                //clear the screen and set flag to continue, got this from Cheryl's code

                                for (i=0; i<25; ++i) System.out.println();
                                //code for clearing console screen found on
                                //http://www.thescripts.com/forum/thread16485.html
                                run_amortTable = false;

                            System.out.println("                                                         Total ");
                            System.out.println("Payment      Principal      Principal    Interest        Interest ");
                            System.out.println("              Paid          Balance         Paid         Balance ");
                            System.out.println();
                            System.out.print("\n\t--------------------------------------------------------------\n");

                            for (i=1; i<=mtgNp; i++)
                                {
                            System.out.println("paymentNumber[i]\t principle_Paid[i]\tprinciple_Bal[i]\tint_Paid[i]\t int_Bal[i]");
                            System.out.print("\n\t--------------------------------------------------------------\n");
                            System.out.println("                                                         Total ");
                            System.out.println("Payment      Principal      Principal    Interest        Interest ");
                            System.out.println("              Paid          Balance         Paid         Balance ");
                            System.out.println();
                            System.out.print("\n\t--------------------------------------------------------------\n");
                            System.out.println();
                            System.out.print("Total of all Payments is" + "$" + totalLoanBal + "\n");
                                }
                            }