Kid is the smack-talking, poorly-dressed female protagonist of the game who seeks the Frozen Flame. She is also a member of the Radical Dreamers. Kid appears right after you get transported to Another World. Kid will try to join your party numerous times, so there's no chance of missing her. Kid uses a dagger as a weapon. Use her Pilfer skill often during battles to steal items from enemies. Getting armors, weapons, and even skills is usually done in most first tries. Her level 5 skill, Red Pin, allows Kid to throw daggers at the enemy. Her level 7 skill Hot Shot is a skill that uses a nifty device that Lucca invented. Doc appears to be a hippy but a very good healer in the game. Get the Medical Book from the Tower of Gheddon. Opt not to help Kid at Hydra Humour. Return to Guldove in Another World and then talk to Doc after he heals Kid. He will then join your team. Doc uses a dagger as a weapon. His tech level 7 Hang Ten skill can heal the whole party. It's very useful during boss battles, but you need to have the Medical Book before letting him join the party. Draggy is an adorable little dragon with a ferocious bite. Get the Big Egg from the Dodo's nest in Another World's Fossil Valley. Take it to the working incubator in Home World's Fort Dragonia. The egg will then hatch and Draggy will join your party. Draggy uses gloves as a weapon. Obtain his level 7 skill, Big Breath, by visiting Home World's Fossil Valley with Draggy. Big Breath calls forth his mother to help him toast the enemy. Greco is an ex-wrestler who turned to an exorcist with psychic powers. He attacks enemies with a variety of pro-wrestling moves, but his magic skills aren't too impressive. After the Viper Mansion sequence, you will meet Greco at his house and he'll join. Greco uses gloves as a weapon. Obtain level 7 skill, Grave Digger, at his Home World house by talking to the old man. Grave Digger makes him do a body slam off a tombstone. Known as the Dynamite Dancer Miki, she is popular throughout the Nido Archipelago. After ridding Marbule of the Lagoonates, go back to the Zalbess' Restaurant and speak with Miki. There's a very narrow window of time you can do this, so don't miss this chance. Miki uses gloves as a weapon. Her magic power is high and by far the highest of the Red Innates. Zappa is the blacksmith you stumbled upon during the early part of the game. He works in Termina near to Van's home. He's the rough and tough father of Karsh and the chief blacksmith of the Acacia Dragoons. Have Radius in your active party then talk Zappa in his ship at the Home World's Termina City. Zappa can use axe, hammer, or master hammer as a weapon. He has high strength and HP, but is low in magic defense and extremely low in magic power. Wander around the Viper Manor and you will find Orcha in the kitchen with his spy assistant. He's a rough, robust chef from Guldove who worked as the primary cook in Viper Manor for the Acacia Dragoons. Recruit Orcha after Riddel is rescued and Hell's Cook is battled. Orcha uses Kitchen Utensils as his weapon. He possesses good strength and good magic power. Talk to the diner chef in Home World's Arni Village to obtain his level 7 skill, DinnerGuest.
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One-sentence summary -- Get Kid. Get Doc. Get Draggy. Get Greco. Get Miki. Get Zappa. Get Orcha.

Article: In order to calculate interest paid on a mortgage loan, we will calculate the monthly payment and then use the simple method from method 1 above to calculate interest. The monthly payment equation can be represented as follows: M=Pr(1+r)n(1+r)n1{\displaystyle M=P{
rac {r(1+r)^{n}}{(1+r)^{n}-1}}}. These variables represent the following inputs: M is your monthly payment. P is your principal. r is your monthly interest rate, calculated by dividing your annual interest rate by 12. n is your number of payments (the number of months you will be paying the loan) You will need to input your principal, monthly interest rate, and number of payments in order to find your monthly payment. This information can be easily found in your loan agreement or from a quoted loan estimate. Check the information again to be sure of its accuracy before using it in calculations. For example, imagine you have a $100,000 mortgage loan with 6 percent annual interest over 15 years. Your input for "P" would be $100,000. For "r," you would use your monthly interest rate, which would be 0.06 (6 percent) divided by 12, or 0.005 (0.5 percent). For "n" you would use your total number of payments, one for each month in fifteen years, which would be 12*15, or 180. In this example, your complete equation would look like this:M=$100,0000.005(1+0.005)180(1+0.005)1801{\displaystyle M=\$100,000{
rac {0.005(1+0.005)^{180}}{(1+0.005)^{180}-1}}} " Simplify your terms by doing the first step in the order of operations, which is adding the 1 and "r" inside the parentheses on the top and bottom of the equation. This is a simple step that will make your equation look much less complicated. After this step, your sample equation would look like this:M=$100,0000.005(1.005)180(1.005)1801{\displaystyle M=\$100,000{
rac {0.005(1.005)^{180}}{(1.005)^{180}-1}}} The result of the previous step must now be raised to the power of "n." Keep in mind that only the figures inside the parentheses will be raised to this power, not the "r" outside of it or the -1 at the end. After this step the sample equation would look like this:M=$100,0000.005(2.454)2.4541{\displaystyle M=\$100,000{
rac {0.005(2.454)}{2.454-1}}} Here, you should multiple "r" times the result of the last step on the top (the numerator) and subtract 1 from your result on the bottom (the denominator). The same equation would look like this after this step:M=$100,0000.012271.454{\displaystyle M=\$100,000{
rac {0.01227}{1.454}}} In the example, your equation would now be:M=$100,000(0.008439){\displaystyle M=\$100,000*(0.008439)} This will give you your monthly loan payment. In the example, this would be ($100,000)*(0.008439), or $843.90. This represents your monthly payments. With this information, you can now calculate total interest paid and interest paid each month. Both will allow you to compare different amounts of interest you might pay with different loans and see which one is right for you. Find monthly interest paid by dividing "P" by "n" and subtracting this number for your monthly payments, "M." Find total interest paid by multiplying your monthly payment "M" by "n" and then subtracting "P."
Question: What is a summary of what this article is about?
Understand the equation. Input your information into the equation. Simplify your equation by adding 1 to the "r. Solve the exponents. Simplify again. Divide the numerator by the denominator. Multiply "P" by this result. Calculate interest paid using the payment information.