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What happens if avoidable interest is less than actual interest? what gets capitalized? For example if avoidable equals 44,000 and actual equals 40,000, the actual

What happens if avoidable interest is less than actual interest? what gets capitalized?

For example if avoidable equals 44,000 and actual equals 40,000, the actual gets capitalized since its less. I want to know the other way around, which is at top, basically the interests swapped.

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