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My snips

I'm searching for emi calculations. so many peoples give the formulas but that could be confused me.
finally i found it after 2 days.
$emi=($p*$r*pow((1+$r),$n))/(pow(1+$r,$n)-1);
$r=($ratio/12)/100;

Setting image as background it could be helps:
background-image: url(pics/cssT/smallPic.jpg);
     background-repeat: repeat-y;
     color: green;
 

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