commented the code some more, put the ads actually after the 25th row and not 24th like I was doing before, and set defaults for the text boxes so you can't just leave them blank (they turn to "C:/Program Files (x86)/Git/bin/sh.exe".00 if they're blank on focusout)
I think this is the most commented piece of code I've ever written
set default values for textboxes but only format them as money if they have the money class (won't catch interest rate anymore, haha)