Your assistant came to you, suggesting that instead of conceptualizing the analysis through number of payments that would have to have been made for a loan to be current and using that to determine loan currency, that loan currency be obtained from a calculation of the proportion of payments needed for a loan to be current. You responded that it was: a good idea because the logic of the formulas would be easier to follow a good idea because it would be easier for new staff members to use a bad idea because the analysis would not likely be used subsequently a bad idea because proportions are harder to think with than numbers