I'm thinking that I was still too cheap in assessing the penalty. I think what I wanted was to assess a 10% penalty on the current balance, assessed each year in 12 monthly payments for seven years. Instead, what I coded was assessing the 10% penalty of the current balance, assessed monthly over seven years.
As an example, suppose you missed a goal with a $1,000,000 balance. A penalty of 10% would be $100,000 each year, made in 12 monthly payments per year. This would result in monthly payments of $8,330 for seven years.
Instead, what I coded was a penalty of $100,000, made in monthly payments of $1,190 over seven years.
My goal in the change was to assume that the company would continue to grow, so a payment of $8,330 today won't be as sever in seven years as it is today. To be sure, it's still severe enough to question the worth of ignoring a goal.
Comments? Look for a change in the files in the coming days.