“…If a sample is taken on the 15th of every month, we are attempting to capture what is routinely called the first fundamental frequency 3 Fourier component, which has a frequency of 130 days−1. When the 15th is not sampled, the presumption is the account has nominally $100,000 on the 15th (first fundamental frequency Fourier component folds over and masquerades as the zeroth frequency component), but we know this to be false or disinformation 1 , 2 because on the 15th there is only $1. If the loan officer included the 15th, the average balance would be more like $50,000.…”