The Initial Inspiration came from a presentation of an MMA solution involving HELOC leveraging provided by a local financial institution. Part of the big incentive included a web based software application that, among basic account tracking and management features, included the ability to predict how a change will affect the other parts of your financial portfolio long term. I cringed at paying thousands of dollars for such a program, but realized how valuable it could be. After searching for an open source equivalent to no avail, I decided to meet the challenge and create it myself. Initially only for personal use and whomever has the programming itch to help me in such a cause.