Overage now reflects 0 if under need
Code cleanup

Recursive fn moved to own function, code straightened out.
test undefined fn
Revert "Code cleanup"

This reverts commit e54193abc22f0ee2f39578a7768fc4edf20015c3.
Revert "Revert "Code cleanup""

This reverts commit 08f8d980b2f0fd05b72ae62de6e62a562ab9f50d.
Recursion properties now accessible

Save this before I screw it up again
Added more recursion properties as now accessible
needloansArray() now returns sorted array

This is to guarantee that perkins (if any) is reduced before sub.  Will
need to reverse array when it's time to re-add remainder.
changed function name

needloansArray now = needArrays() to reflect inclusion of grant array
creation step
grantsSecond() now populates
grants recursion now works